Find and compare cheap insurance quotes

Cottage Rental Insurance

Protect your rental cottage

When it comes to renting a cottage for short periods, it's crucial to ensure that your property is protected by insurance specifically tailored to this activity. Whether you're renting out your cottage for a few days or several weeks, the risks associated with temporary rentals are different from those covered by standard home insurance.

Indeed, short-term cottage rentals can be perceived as a commercial activity, requiring specialized coverage. This insurance is designed to meet the specific needs of cottagers who wish to rent out their property on an occasional or regular basis.

Cottage Rental Insurance

Get an online quote for your cottage rental insurance

By clicking START NOW, you grant the permissions below and accept our terms of use.*

*Permissions:
I authorize ClicAssure to collect and share my personal information with some of its business partners who may provide me with an insurance quote. I also authorize ClicAssure and its partners to contact me by email, text, phone, or mail to respond to my request or finalize my quote.
I also consent to ClicAssure and its partners collecting, using, sharing, and retaining my personal information for the purposes of:
• Creating and updating my profile;
• Assessing the products and services they can offer me;
• Obtaining my feedback on my interactions with them or on their products and services;
• Conducting studies and creating statistical models;
• Providing me with personalized recommendations;
• Fulfilling their legal obligations.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.

If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
Privacy
Use of cookies

6

people online

3M +

completed forms until now by our users

4.7 stars

+ than 1000 Google reviews

Our Partners

Insurers and firms represented by our partners

At ClicAssure, we understand that every business has unique insurance needs. That's why, through our commercial insurance comparator and our extensive network of business partners, we offer insurance solutions tailored to a variety of industries. Whether you own a commercial vehicle, a service business, or manage condominiums, we have the coverage you need. Complete an online quote on our insurance comparator to receive offers from several of Quebec's leading insurers, specializing in insurance for businesses and SMEs.

Compare Cottage Rental Insurance Offers with ClicAssure

Do you own a cottage and wish to generate additional income by renting it out? Choosing a specialized rental insurance policy for your cottage rental covers the risks you could face as an owner. Understanding these risks and selecting appropriate coverage is essential to protecting your cottage against unforeseen events and ensuring uninterrupted rental income.

Why Is Short-Term Cottage Rental Insurance Necessary?

Renting your cottage to vacationers, even for a short duration, can expose you to increased risks, such as property damage, tenant-related incidents, or other unexpected events. Traditional home insurance policies typically do not cover these types of risks, emphasizing the importance of obtaining dedicated rental insurance. This protection allows you to manage unforeseen incidents without jeopardizing your investment.

What Does Cottage Rental Insurance Cover?

Insurance designed for short-term cottage rentals includes several types of coverage, which vary depending on the chosen policy and the owner’s specific needs:

  • Weather-Related Incidents: Protects your cottage from damages caused by climatic events like storms, floods, or fallen trees.
  • Legal Protection: Covers expenses related to claims for injuries or damage caused by tenants during their stay.
  • Accidental Damages: If your tenants accidentally damage your property, this coverage can assist with repairs, although some damages like vandalism may be excluded.
  • Rental Income Loss Compensation: In case of an incident rendering your cottage uninhabitable, you may receive compensation for lost rental income during repairs.
  • Relocation Expenses: If an incident prevents your tenants from staying in the cottage, this coverage covers their temporary relocation costs.
  • Shared Infrastructure Damage: If your cottage is part of a condominium complex, this coverage addresses damages to shared areas caused by your tenants.

What Cottage Owners Should Know

Renting your cottage to tenants, even for a weekend, might be viewed by insurers as a commercial activity, potentially leading to an adjustment in your insurance premiums. It is crucial to declare this activity to ensure adequate coverage. Additionally, some municipalities or condo associations may impose specific restrictions or additional requirements for short-term rentals, which you must adhere to.