Cottage Insurance
What Is Cottage Insurance and Why Do I Need It?
Cottage insurance provides protection for your seasonal or year-round vacation home. Because cottages are often located in remote areas and not occupied full-time, they present unique risks that require tailored coverage.
Coverage usually includes:
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Property damage (from fire, weather, vandalism)
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Contents coverage (furniture, appliances, recreational items)
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Seasonal liability (injuries on your property)
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Optional coverage for boats, docks, and ATVs
Some insurers require that your primary residence is already insured before issuing a cottage policy.
How Much Does Cottage Insurance Cost?
Premiums are influenced by:
Whether the cottage is seasonal or year-round
Location (remote vs. accessible), and proximity to fire services
Property features: wood stove, waterfront, outbuildings
Security, maintenance, and occupancy
We’ll help find the right coverage based on how you use your cottage and what it’s worth.
Get a Quote for Cottage Insurance
From summer retreats to year-round escapes—we’ve got you covered.