If you own a cottage or seasonal home, you may need to insure it separately from your existing home insurance policy. Coverage is usually more restrictive than with homes that are occupied year-round. While your seasonal policy may protect you from perils such as fire, it may not cover other perils such as theft. At Haldimand Insurance a knowledgeable broker can discuss coverage options and help provide you with a personalized and competitively priced seasonal dwelling insurance package.
Cottage insurance rates and coverages are affected by many factors including how often the property is occupied, the location of the property, the accessibility of the cottage, the construction and age of the home and much more.
We understand that every cottage is unique and it’s our goal to help provide the best protection so you can relax and sit on your deck.