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Cottage Insurance

Cottage insurance is made easy with a dedicated Insurance Specialist working for you.

Get started with a quote and see how we’re making insurance as smooth, simple and painless as possible.

Protect what you love from what you don’t love: the unexpected

Our diverse team of specialists have experience that spans several generations and insurance types.

What if you own a boat?

With a seasonal home insurance policy, you can have the option to include liability coverage for your watercraft to help protect you and your cottage lifestyle.

What if someone is injured on the dock?

At your cottage property, you may have a dock or boathouse on the shoreline. Your insurance policy could extend to provide liability protection for these structures.

What if your getaway home was broken into?

Your personal belongings were damaged. Or worse, taken. Now what? Insurance can help cover those items at your seasonal or secondary home.

What does cottage insurance cover?

Your cottage or seasonal home is your escape from the world. But what if something happens to it while you’re away? Getting cottage insurance is essential and, good news, getting a personalized quote is quick and easy.

The cost of your insurance coverage will depend on things like the type of cottage you own, the location, and the personal belongings you have to protect. There will be limits for each coverage. Some available coverages can include:

Personal Property Coverage

This protects personal belongings kept at your cottage–everything from VCRs (remember those?) to ping pong tables.

Detached Structures Coverage

This coverage can protect structures on your cottage property, like a dock or boathouse.

Sewer Backup Coverage

This is optional and can protect you from water backing up or escaping through sewers and drains. Handy since you may not be there when it happens.

Theft Coverage

Theft can be a risk with seasonal and secondary properties since you’re not always there. Your policy could include burglary coverage for peace of mind.

Liability Coverage

This coverage will protect you financially if someone is injured on your property and it results in a lawsuit. This coverage can sometimes extend to your dock or boathouse.

It’s important to remember to inspect your property often if you’re not always there–especially after severe weather. That way you can ensure any claims you need to make are covered according to your policy terms.

Seasonal Rental Coverage

Some policies can include optional coverage if your seasonal home is rented out some of the time, through rental platforms.


Can I get insurance coverage if I rent out my cottage?
Yes, some policies can include this type of coverage. However this will require a special policy with specific coverage. We’re happy to provide a quote if you operate your cottage all or some of the time as an income property. If you need help or have questions, please contact our Specialists. They’ll help you build the cottage insurance policy you need to cover you properly. We got this.
How much does cottage insurance cost? What determines the cost of my coverage?
Cottage insurance coverage is personalized. The cost of your specific policy depends on a few different factors like: where your property is located, the age of your cottage, the liability protection you need and any additional protections you require.
What information do I need to get a quote?

To get the best price and the right coverage, we’ll need some basic information about you and your cottage property.

Questions you may need to answer include:

  • When would you need your coverage to start?

  • Where is your cottage located?

  • What is the age of your cottage?

  • How close is your cottage to fire services?

  • How often is your cottage occupied or inspected?

  • What is your insurance and claim history?

What do I do if I have to file a claim?

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at 1-833-745-0299 and we’ll be here to help you navigate the situation, 24/7.

We love our clients.
Turns out, they love us too.

…always very helpful and accommodating. I have been very happy with the services you have provided.
Earl S.
We really appreciate you expediting this process. Great service.
Elly H.

At Insurance Store, we offer cottage & chalet insurance to those in Woodstock, Chatham, Collingwood, Barrie, Windsor, and the rest of Ontario.

Open for business, and ready to help with all your insurance needs by phone or email. Contact Us Now