Cottage insurance policies are designed specifically for seasonal or recreational properties. Coverage typically includes:
Many of the most important cottage protections come from optional add-ons rather than base coverage.
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No. Home insurance is designed for primary residences. Cottage insurance is written specifically for seasonal or recreational properties that may be vacant for extended periods or located in remote areas.
Do I need cottage insurance if I only use my cottage a few weeks a year?
Yes. Seasonal vacancy increases risk. Insurance protects your cottage whether you're there or not.
Does cottage insurance cover my boat or ATV?
Typically, no. Motorized watercraft and off-road vehicles require separate policies. Docks may be covered depending on the policy.
Can I insure a cottage I share with family members?
Yes. All owners with a financial interest should be named on the policy.
Do I need extra coverage if I rent out my cottage?
Most likely, yes. Rental activity often requires additional landlord or rental dwelling coverage.
Renting Out Your Cottage? What You Need to Know
If you rent out your cottage, even occasionally, your standard cottage insurance may not be enough.
This is one of the most common and costly coverage gaps for cottage owners. And one that usually only surfaces through a broker's conversation.
