Ontario Cottage & Seasonal Property Insurance
Owning a cottage or seasonal home in Ontario is a dream for many — a place to relax, spend time with family, and enjoy the outdoors. But just like your primary home, your cottage needs protection from unexpected events. Chris Pui Insurance Broker helps cottage owners across Ontario find reliable coverage designed for seasonal properties, vacation homes, and rural retreats.
Why Cottage Insurance Matters
Unlike your primary residence, a cottage or seasonal property is often left vacant for extended periods. This makes it more vulnerable to certain risks like water damage, theft, and weather-related damage. Cottage insurance provides peace of mind by covering these unique exposures and ensuring your investment is secure year-round.
A typical cottage or seasonal property insurance policy includes:
- Dwelling Coverage: Protects the structure of your cottage from fire, storm damage, or vandalism.
- Personal Property: Covers your furniture, appliances, boats, and recreational equipment kept at the property.
- Liability Protection: Covers you if someone is injured on your property — even if it’s only used seasonally.
- Detached Structures: Provides coverage for sheds, docks, or guest cabins on the same property.
Coverage Options for Seasonal & Secondary Homes
Depending on how you use your cottage — whether it’s seasonal, year-round, or occasionally rented — we’ll tailor coverage to fit your needs. Through Canadian Insurance Brokers Inc. (CIBI), we have access to a wide range of markets that specialize in rural and seasonal insurance.
Optional add-ons include:
- Boat & Watercraft Coverage: Extends protection to small boats, kayaks, and personal watercraft.
- Water Damage & Flood Protection: Safeguards against overland flooding, sewer backup, and burst pipes.
- Rental Income Protection: Covers lost income if you rent out your cottage seasonally and it becomes uninhabitable.
- Wildfire & Storm Protection: Provides extra coverage for properties in remote or forested areas.
Learn More About Cottage Insurance in Ontario
For helpful information and official resources, visit:
- Insurance Bureau of Canada – Home & Cottage Insurance Overview
- Government of Ontario – Home & Property Insurance
- Cottage Life – Tips for Cottage Owners
Explore related personal insurance pages:
Home Insurance Ontario,
Auto Insurance Ontario, or
Condo Insurance Ontario.
Protect Your Cottage with the Right Coverage
