Seasonal Property Insurance

If you have a home away from home, it needs insurance too.
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Cottage Insurance Overview

Cottage insurance or seasonal property insurance is designed to protect your property and any contents within from named perils on your policy. This may include events such as fire, falling objects, vandalism, etc. Your seasonal property insurance will also include liability coverage if you are responsible for bodily injury to a third party or damage to their property.

Mother with two child using watercolour paints during Christmas

Property Damage

If an insured loss were to destroy or damage your seasonal home/cottage, your insurance policy would step up to cover or help cover the cost of repairs and replacements. Named perils may include fire, falling objects, vandalism and theft, and more.


Liability for unintentional bodily injury or damage to a third-party’s property is included in your seasonal property/cottage insurance. This means that if you had guests visiting and one were to slip and fall resulting in serious injury, your policy would cover your liability up to your stated limits.

Cottage by the lake in rural Quebec, Canada
Peaceful fishing lake of Quebec with mountain range in background and canoe on the shore.



Includes coverage for damages or losses to the physical structure of any outbuildings included with your cottage, such as a bunkie.

Income Replacement:

This is a supplementary coverage that requires purchase which can replace your income if you rent your cottage out to others.

Septic/Sewer Backup:

This is an add-on coverage that can include protection against water damage from septic system rupture/malfunction or sewer backup.

Common Endorsements

Sometimes, your basic cottage insurance may not be enough to cover any and all circumstances. If you are concerned your coverage isn’t enough or there are exposures not listed on your policy, ask a broker about seasonal property endorsements available to you. These may include overland water, septic or sewer backup, earthquake, by-law coverage, and more. These supplementary coverage packages can protect against any gaps in your basic insurance policy for an additional cost.

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If you rent out your cottage or seasonal home, be sure to discuss this with your broker. While this is a great way to cover the costs that come with owning a cottage, your broker needs to know the details to ensure you have adequate coverage.

Some smaller recreational items – like canoes – have coverage under your home or cottage insurance, but larger vehicles that can be driven on public roads or water will need separate insurance.

Cottage insurance rates are determined by a variety of means, including your proximity to fire stations, large bodies of water, size of your cottage, when/how frequently it is used and left vacant, outbuildings, docks, and how much coverage you purchase.

Depending on where your cottage is situated, bylaws may require you to make updates/renovations to your cottage. Bylaw coverage can offer compensation for any increased costs due to bylaw requirement, following an insured loss.

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