Do You Need Cottage Insurance?

April 17, 2023

As the snow melts and the temperatures start to rise, many Canadians begin to plan their summer getaways to their cottages. Whether it's for a weekend getaway or a long-term summer vacation, cottages are a popular destination for many Ontarians. But as a cottage owner, it's important to make sure your property is protected with the right insurance coverage.

Cottage Insurance in Ontario

 Cottage insurance in Ontario is designed to protect your property against a range of risks, including fire, theft, and damage caused by extreme weather conditions. It's important to note that standard home insurance policies may not cover your cottage, as they may be considered secondary residences. This is why it is essential to explore your options with your insurance provider when purchasing your cottage.

Cottage insurance typically includes coverage for the following:

● Property damage: This covers damage to the physical structure of your cottage, as well as any detached structures such as sheds, boathouses, and docks.

● Liability: This covers you in the event that someone is injured on your property or if you are found responsible for damaging someone else's property.

● Personal belongings: This covers the personal belongings you keep at your cottage, including furniture, electronics, and appliances.

Seasonal Coverage

One important consideration when it comes to cottage insurance is seasonal coverage. If you only use your cottage during the summer months, you may be able to save money on insurance by opting for seasonal coverage. Seasonal coverage provides insurance protection for your cottage during the months you use it, typically from May to October. This means that you're only paying for insurance coverage when you're actually using your cottage, rather than paying for year-round coverage.

Spring and Summer Preparation

As the spring and summer seasons approach, it's important to take some time to prepare your cottage for the upcoming months.

Here are some tips to help you get started:

● Inspect your property: Take a walk around your property and inspect the physical structure of your cottage, as well as any detached structures. Look for any signs of damage, such as cracks in the foundation, damaged siding, or leaks in the roof.

● Check your insurance coverage: Review your insurance policy to make sure you have the right coverage in place. If you've made any updates or improvements to your cottage, such as adding a new deck or renovating the kitchen, make sure your policy reflects these changes.

● Secure your property: Make sure your cottage is secure by locking all doors and windows. Consider installing a security system or motion-activated lights to deter burglars.

● Prepare for extreme weather: Ontario summers can bring severe thunderstorms and heavy rainfall. Make sure your property is prepared by clearing out gutters, trimming trees, and securing any loose objects that could be blown away in high winds.

As you prepare to enjoy the upcoming spring and summer seasons at your cottage, don't forget to take the necessary steps to protect your property with the right insurance coverage.

By taking the time to review your policy, inspect your property, and prepare for extreme weather, you can enjoy a worry-free summer at the lake!


I believe in making the impossible possible because there’s no fun in giving up. Travel, design, fashion and current trends in the field of industrial construction are topics that I enjoy writing about.

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