Cottage Insurance
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Your cottage may feel like a second home, but insurance companies don't necessarily treat it the same way.
How often you use the property, whether it's winterized, how you access it, how far it is from emergency services and whether you rent it to others can all affect your insurance options.
Avenue Insurance helps Ontario cottage owners understand these risks and find coverage suited to how their property is actually used.
Why Homeowners Choose Avenue Insurance
The Cottage
Coverage may help repair or rebuild the insured structure following a covered loss.
Your Belongings
Furniture, appliances, clothing and other belongings kept at the cottage may be protected against insured losses.
Personal Liability
Liability coverage may help protect you financially if you're legally responsible for accidentally injuring someone or damaging their property.
Other Structures
Depending on the policy, coverage may extend to structures such as:
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detached garages
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sheds
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bunkies
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gazebos
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docks
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boathouses
Coverage limits and eligibility can vary.
What Is Cottage Insurance?
What Does Cottage Insurance Typically Cover?
The Cottage Building
Helps protect the physical structure following an insured loss.
Depending on the policy, insured risks may include events such as:
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fire
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smoke
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lightning
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wind
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certain storm damage
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vandalism
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theft
The exact insured perils depend on your policy.
Detached Structures
Your cottage property may include more than the main building.
Depending on your policy, coverage may be available for:
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detached garages
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storage sheds
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bunkies
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gazebos
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saunas
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docks
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boathouses
Do not assume every structure automatically has the same coverage or limit as the cottage itself.
Personal Property
Coverage may apply to belongings kept at the cottage, including:
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furniture
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appliances
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clothing
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electronics
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kitchen equipment
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recreational items
Special limits may apply to certain types of property.
Personal Liability
If a guest is injured on the property or you accidentally cause damage to someone else's property, liability coverage may help respond to an insured claim.
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