Protects the physical structure of your cottage or seasonal home. It guards against risks like fire, wind, vandalism, and some types of water damage. Because the property may be unoccupied for long periods, there may be limited coverage for certain events, such as theft or frozen pipes.
When you’re at the cottage you want to make memories — not worry about risk! Protect your getaway and long-term investment. Seasonal home or cottage coverage is designed to protect properties that are not occupied year-round — like vacation homes, summer cottages, or cabins. These properties face unique risks due to their part-time use, remote locations, and limited supervision.
What's Covered
Standard cottage and seasonal property insurance provides coverage for:
Your coverage extends to other buildings on your property that are not physically attached to the main cottage. This commonly includes sheds, boathouses, detached garages, or other outbuildings. These structures are protected against the same covered events as the main dwelling.
Covers your personal belongings stored at the cottage or seasonal property. This can include furniture, appliances, tools, recreational equipment, and other items you keep there. These policies may have lower limits for personal property compared to a primary residence policy, reflecting the typical contents of a seasonal home.
Financial protection in situations where you are found legally responsible for accidental bodily injury to another person or damage to their property. For example, if a visitor is injured at your cottage, or if you accidentally cause damage to a neighbour’s property, this coverage can help with medical expenses, legal fees, repair costs, and potential settlement awards.
Optional Coverage
Standard insurance policies cover the most common risks. Optional insurance endorsements can enhance your coverage, depending on your specific needs.
Economical offers a range of policy options for your unique needs and budget.