Cottage Insurance in Ontario & Quebec

At Rowat Insurance, our specialty is insuring your home and cottage as we can cross-reference insurance between both provinces.

We’ll work closely with you to produce the most suitable policy to safeguard your primary and secondary properties, as well as everything and everyone in them. In the event of an incident involving your cottage or seasonal home, you can find comfort in knowing that your properties have coverage in place.

Cottage Insurance Options that Suit Your Needs

Your cottage is your home away from home and one of your most valuable assets. It’s also often left unoccupied during the winter months and for extended periods throughout the spring and summer, which means it’s more vulnerable to damage from weather, pests, fire, and other unforeseen circumstances. That’s why it’s imperative to have it covered with the proper cottage insurance policy.

With hundreds of companies offering cottage insurance to consumers, it can be difficult to know which one has the right product for you. In fact, different insurers not only offer different levels of coverage, but they have varying risk evaluation methods and conditions in their policies too. Cottage insurance is also quite different than regular property insurance. To determine which package is most adequate for you, insurers will consider how you use the property, how often it is occupied and whether or not you rent it – not just its value. Most policies also come with limitations for things like the contents inside, detached private structures and watercraft – requiring policyholders to determine if they need additional insurances. All these factors make the process of finding the best insurance policy quite overwhelming and time-consuming, especially if you’re not familiar with insurance lingo and don’t have the tools to compare one provider to another.

That’s where we can help. We will perform a full assessment of your cottage and then determine which insurance company and policy is the most appropriate for your needs. And in the event that the policy has certain limitations or exclusions, we’ll look for any additional coverages that might be available to ensure you have the adequate amount of protection for your needs – nothing more, nothing less.

Secondary and Builders’ Cottage Insurance Quote Options

Some clients need to keep an eye on more than one property that isn’t used as a primary dwelling. Without the right property insurance in Ontario and Quebec, it’s difficult to cover all the essentials of these secondary and tertiary assets. As a result of not having adequate seasonal home insurance, you run the risk of suffering losses associated with storm damage, break-ins resulting in theft, and other circumstances beyond your control.

This is where we come in. If you have more than one cottage, our team is happy to assist and provide peace of mind with a detailed secondary and/or builders’ cottage insurance quote. We can help arrange secondary coverage that will protect against damage and theft. We can also ensure that any cottage construction projects you undertake are properly protected against damage and liabilities that could impact completion.

Cottage Rental Insurance

When you use your cottage as an investment property, extended rental cottage insurance that’s specially designed for your needs. These coverages will protect you against personal liability and loss of rental income, and we can make sure that you have all the protection you need in place.

Let our Cottage Insurance Brokers help you find the most suitable property insurance policy with the most coverage for your cottage.

Get Protection for Both Your Ontario and Quebec Properties

Our expertise in insurance extends to the provinces of Ontario and Quebec, so if you happen to have a home in one province and a seasonal home or cottage in the other, rest assured that we’ll still be able to protect both properties. Our coverage may include minor and major repairs, complete rebuilds stemming from a natural or man-made disaster resulting in a total loss, and also coverage in the event of belongings in your seasonal home or cottage being taken from burglary (as well as compensation for necessary repairs).

Don’t let an unwanted incident ruin your personal retreat. If you own a cottage or seasonal home in Ontario or Quebec, we can help to ensure you have the proper insurance in place. Our team of licensed Property Brokers is your best ally - we work for you and not the insurance company. We’ll do all the legwork to find the best cottage insurance coverage at a price that’s within your budget.

Request a quote today, or contact us for more details on how we can help you safeguard all of your assets.