Cottage insurance

The frequency of use of the premises during the year as well as the features of the building are the main elements that help determine the category of the site. Seasonal properties are used primarily for recreation and occupied on an irregular or occasional basis, for instance over summer only. It can be unoccupied for an entire season or several months. Summer homes, cabins, chalets can be considered as seasonal properties. Secondary residences are typically used all year long and occupied at least twice a month over the year. Homes that are considered as secondary residences resemble principal dwellings, based on the value of the home and its regular occupancy.

The price of your cottage insurance premium is based on numerous factors related to your vacation property such as:

• Location
• Proximity of amenities such as fire station, fire hydrant
• The amount required to cover your belongings (optional)
• The amount required to cover your cottage’s building
• Etc.

To get your cottage insurance premium, get a quote online or reach out to a representative today.

Insuring an off-grid property can be somewhat more challenging, since managing your own water, solar and electrical systems can increase your risks. Reach out to your insurance representative to see if your property is eligible for a cottage insurance coverage and to get the best protections for your needs. 

If you rent your property, you should let your insurance representative know. If you rent your chalet frequently and professionally, you will need specific coverage to protect your cottage. If you chose not to disclose this activity to your representative, you may not be covered in case of damages.

As long as you own the property, your cottage insurance policy should be active, hence renewed every year. If you need to make changes to your coverage, don’t hesitate to call your representative at any time. 

You should always contact your insurer before beginning a remodeling or renovations. Your insurance policy should cover the risks during the renovations and consider the updated value of your cottage after the renovations, but to be certain, let your insurer know first as some renos might impact your eligibility to existing protections. If you added a new countertop, replaced the roof or remodeled the bathroom, the value at which your cottage is insured for should be increased to reflect the improvements. In case of damage, your coverage will protect these renovations.