Nearest broker: Searching for a broker nearby…
Nearest broker: Tweed Phone: (613) 478-2532 Sunderland Phone: (705) 357-3916 Sudbury Phone: (705) 523-2030 Penetanguishene Phone: (705) 549-7437 Ottawa Phone: (613) 733-3312 Parry Sound Phone: (705) 746-2441 Orillia Phone: (705) 325-4234 Kemptville Phone: (613) 258-5991 Eganville Phone: (800) 884-1045 Petawawa Phone: (613) 687-4805 Belleville Phone: (800) 361-0941 Winchester Phone: (800) 487-3706 Wellington Phone: (613) 399-3620 Trenton Phone: (877) 455-0299 Prescott Phone: (877) 504-3569 Picton Phone: (888) 475-2776 Peterborough Phone: (800) 958 2270 Perth Phone: (877) 248-1222 Pembroke Phone: (877) 399-3299 Oshawa Phone: (800) 887-7309 North Bay Phone: (705) 475-0001 Napanee Phone: (613) 354-2152 Morrisburg Phone: (800) 806-0746 Midland Phone: (888) 737-6465 Madoc Phone: (613) 473-5266 Kingston Phone: (800) 590-5422 Gananoque Phone: (800) 932-2131 Embrun Phone: (866) 853-4740 Cornwall Phone: (844) 463-3616 Cobourg Phone: (800) 895-5902 Carleton Place Phone: (888) 237-9517 Brockville Phone: (888) 345-8663 Brighton Phone: (613) 475-1430 Barry’s Bay Phone: (866) 845-2123 Barrie Phone: (705) 726-3350 Bancroft Phone: (800) 994-0036 Arnprior Phone: (800) 668-7337
Get a Quote
Open Menu

Cottage Owner’s Insurance Tips

Your cottage is an oasis in the desert of modern life. Cottage life is an investment in your own peace of mind. Like all investments, you want to protect what you have worked so hard to achieve. Whether you are insuring your first cottage or have owned your property for years and need to update your coverage, there are a few things that you need to take into consideration.

A winterized year-round cottage can be insured as a second home, but seasonal cottages require a different kind of insurance. Unlike your home insurance, which covers everything except for a few things mentioned in your policy; most cottage insurance only covers specific things, or “named perils.”

Because of this, you are going to want to talk to your broker about what type of coverage would best suit you. Generally, windstorm, plumbing, theft, vandalism and fire are the top five causes for loss when it comes to seasonal cottages.

Thinking of renting out your cottage to help defer costs? Don’t fail to mention it to your broker. If it is discovered that the property was being used for purposes other than what is originally covered in your policy your insurance company could refuse to cover losses, even if they are incurred by you. Owners no longer need to pay commercial insurance premiums. Your broker can craft a policy that covers rentals and a whole host of issues specific to your cottage.

There are many factors to consider when finding a cottage owner’s insurance policy that’s just right for you. Isn’t it time that you sat down with a McDougall insurance broker and found out how they can help you secure your peace of mind? Contact us at 1-800-361-0941.

No comments found.
Anonymous User

Leave a Reply

Your email address will not be published. Required fields are marked *


You Might Want to Read

Welcome All Time Insurance Brokers to the McDougall Insurance Team!
We are happy to announce the we have merged with All Time Insurance Brokers Inc. in Ajax Ontario! All Time is a small 2 person...
Welcome M.B. Kouri Insurance Brokers to the McDougall Insurance Team!
We are thrilled to announce that we have merged with M.B. Kouri Insurance Brokers Ltd. in Tamworth, Ontario! As of November 1st, 2023 we have...
Why You Should Get Homeowners Builders Risk Insurance
Owning a home is a huge responsibility and investment, that’s why you have to be responsible when it comes to protecting it. And if you’re...
Request a Free Quote

It’s simple and won’t take long.

Get a Quote800-361-0941

Person standing, looking down at laptop