Coverage for Cottage Insurance in Ontario
While very similar to home insurance, cottage insurance has many small differences that alter what the insurance will cost and cover. Cottage insurance quotes in Ontario are affected by many factors including; how often the property is occupied, the location of the property, the accessibility of the property and much more. While your policy may protect you from more rudimentary threats such as fire, it may not cover other perils such as theft, highlighting the importance of having a professional brokerage explain the coverages.
Why do you need cottage insurance in Ontario? Put simply: your cottage, like your home, is more than just a roof over your head. Cottage insurance in Ontario helps protect your seasonal home and any contents it may include. Your plan can be customized to cover detached private structures, like any sheds or boathouses, and other high-value items. Besides – it isn’t just the physical structure of your cottage that needs insuring. There’s more to it than that. Everyone’s circumstances are different.
There are a couple questions you might need to ask yourself when it comes to getting cottage insurance in Ontario. Do you have year-round road access to your cottage? When was your cottage built? What steps do you take in order to ensure that your cottage’s maintenance is up to par when you leave it for the winter? Do you have any watercrafts that you use when you are visiting your seasonal home, and do they require insurance? These are all questions and variables you may want to discuss with a McDougall cottage insurance broker. We look forward to sharing our wealth of knowledge and expertise with you in order to help you make a more informed decision when it comes to your insurance.