Cottage Insurance
Why Choose Us?
What do you picture when visiting your Cottage or Trailer? Relaxing by the lake with family and friends, enjoying an evening bonfire? Unfortunately emergencies can ruin your relaxation very quickly, leaving lots of work and very little play. Let us help you rebuild your cottage, so you can get back to relaxing before the summer ends.
What Does Cottage Insurance Include?
Cottage Insurance is quite flexible to meet the needs of your cottage, so you have peace of mind in an emergency. Docks are usually included in this part of your policy as well, however please check with us to make sure they are properly insured.
Outbuildings such as detached garages, boat houses and sheds are automatically included in your policy as long as they are not used for business and/or farming. However you should always consult us to ensure the limits on these buildings is enough.
Your contents may or may not be covered depending on the coverage you choose. It is always best to check how much coverage you have under contents, as well as what coverage is offered for your contents. Boats can be added to your policy, but are not automatically included.
Liability can be included in your policy or extended from your home policy however it is always best to ask us to make sure! You have to be careful if you are renting your cottage as your policy will not automatically extend to cover cottage rentals. Also if you have a boat your liability will not automatically extend to cover it.
Other Items for your Cottage to consider
If you are renting your cottage you should let us know. Companies typically will allow you to rent your cottage for some of the summer, but need to know before you do.
If you own a cottage most likely you own it due to the beautiful lakefront view. Being that close to the water is perfect for swimming, fishing and boating but does increase the risk that your cottage is flooded. Weather today is becoming more unpredictable, so you may want to consider including flood coverage in your policy.
If you have any watercraft you can add them onto your cottage policy. This makes your life easier only having one policy, and one deductible if you do have a loss.
If you have a dock, boathouse or other building it can be covered on your policy.
Please call our office for a quote or to ask us questions regarding the coverage. The explanations above are only a general overview and there are many options to fit your personal circumstances.
