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.