Dreaming of spending weekends or vacations at your cottage without any worries? To safeguard this little slice of paradise, it’s essential to take out cottage insurance tailored to your needs. A secondary residence comes with specific considerations (less frequent occupancy, natural surroundings, etc.) that you should bear in mind when purchasing a policy.
By completing our home insurance quote form, you can compare several offers from our partners at no cost and get discounted insurance rates to protect your cottage or secondary residence. Whether you own a small retreat in the woods or a family cottage by the lake, you’ll find customized coverage to meet your needs.
ClickInsurance is your best tool to increase your chances of getting the best possible price for your cottage insurance.
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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.
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Even if your cottage isn’t your primary residence, it’s still a significant investment that may contain valuables. Cottage insurance protects against financial loss in the event of fire, theft, vandalism, weather-related damage (storms, hail, etc.), and other covered events. It also includes liability coverage, protecting you if you’re held responsible for injuries or damages to others on your property.
A standard cottage or secondary residence insurance policy generally covers:
Our online comparison tool makes it easy to find cottage insurance. Fill out a short form with essential information about your property (address, type of cottage, year built, square footage, etc.) and your coverage needs. You’ll then receive personalized quotes from various Canadian insurers who specialize in cottage insurance.
Several elements can affect the cost of your secondary residence insurance premium:
Generally, no. Your primary home insurance is designed to cover your main residence. A cottage or secondary residence usually requires a separate policy for proper coverage.
Comparing quotes helps you find the best protection at the best price for your cottage. Prices and coverage can vary significantly from one insurer to another. Our comparison tool lets you quickly see the different options and choose the insurance that best fits your budget and specific needs.
Basic coverages (fire, theft, vandalism, liability, etc.) remain similar. However, for cottage insurance, insurers may require additional protections or specific clauses due to less frequent occupancy, more challenging access to emergency services, or geographical remoteness.
If you rent out your secondary residence, even temporarily, you must inform your insurer. They can adjust your policy to include coverage suited to rental situations (liability in case of damages caused by tenants, for example).
Depending on the type of rental arrangement, you may need “short-term rental insurance.” This type of insurance, which falls under the “commercial insurance” category, covers any losses or issues that might arise from renting out your cottage.
