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Recreational property insurance.
Home insurance for a seasonal dwelling is distinct from that of a primary residence.
A recreational property can be added to your home policy, or, you can choose to have a separate policy.
Insurance companies characterize cottages, cabins and second or seasonal homes as a property that you use for recreational purposes.
They’re regarded as dwellings where the owner spends a short amount of time, often during warmer months and may be located on a lake, in the mountains or in a rural area.
Insurance policies for recreational properties generally cover specific, named perils.
You can also add coverages to make sure that your investment is protected against perils that are relevant to the property.
For example, if you believe your home could be threatened while you’re away, you can add coverage for burglary or robbery, vandalism or malicious acts and glass breakage.
Licenced brokers at DirectRate.ca will work one-on-one with you to customize a policy that’s optimal for your home and lifestyle.
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Frequently Asked Questions about seasonal property insurance.
Many insurance companies offer vacation property insurance in Canada.
Comparison shopping for the best coverage at the lowest rate is an important first step.
DirectRate.ca’s free, online tool is an easy way to get started. It will produce quotes from 10+ companies across Canada.
Our licenced brokers are immediately available to review your options with you and answer any questions about cottage insurance.
We work one-on-one with you to customize a plan, selecting coverages that make the most sense for your property and how you use it.
With our expert knowledge of the insurance industry and its various products, we’ve helped thousands of Canadians find great coverage for their recreational properties.
Cottage insurance is similar to home insurance, though can include additional coverages that are most relevant for seasonal homes.
For example, you can add to your policy coverage for burglaries and vandalism.
Many vacation property insurance policies also allow that the owner can be away from the property for extended periods of time.
As with home insurance, when determining cottage insurance rates, companies consider the dwelling and the applicant.
They also look at perils that may surround the residence.
For example, if you’re looking for cottage insurance in an Alberta region prone to wildfires, you may opt to add additional coverage that protect your home against such a peril.
If you’re looking for seasonal property insurance in Ontario, it may be prudent to add coverages that protect you against perils such as overland flooding.
To reduce your home insurance costs, it’s helpful to reflect to insurance companies that you’ve taken steps to mitigate risks. Consider the following tactics:
Bundling your insurance so that each of your policies is held with a single company.
Opting to pay annually, rather than monthly.
Reducing your deductible.
Protecting your home with alarm systems, smoke detectors and fire extinguishers.
Not smoking. Insurance companies regard it as a fire hazard.