Cottage Insurance in Ottawa

Property Damage Coverage

Protects your cottage from fires, storms, vandalism, floods, and other disasters. If your cottage is damaged, this policy helps cover repair or rebuilding costs, ensuring your vacation home remains a safe retreat.

Contents Coverage

Since cottages are often left empty, furniture, electronics, and personal items can be vulnerable to theft or damage. This coverage protects your belongings, giving you peace of mind when you’re away.

Personal Liability Coverage

If someone gets injured at your cottage or if you accidentally damage another person’s property, this insurance helps cover medical bills and legal fees for liability claims, so you’re not left with a financial burden after unexpected accidents.

Detached Private Structures Coverage

Cottages often have additional structures like garages, sheds, or boathouses. This coverage protects these structures, too, ensuring all parts of your property are safeguarded.

Watercraft Coverage

If you own boats, jet skis, canoes, or rowboats, this coverage protects them from theft, damage, and liability, so you can enjoy your time on the water without worry.

Contact an Oracle RMS insurance broker today to customize your coverage. We’ll find the right policy to protect your vacation home and give you peace of mind.

Additional coverages for Ottawa cottage insurance policies

A standard cottage insurance policy covers common risks, but some owners add extra protection for broader coverage:

Sewer Backup Coverage

This helps with repairs if your sewer, septic system, or sump pump overflows, causing water damage that isn’t noticed immediately.

Overland Water Coverage

Cottages near lakes, rivers, or low areas face a higher risk of flooding. This coverage helps cover repair costs if heavy rain, melting snow, or rising water levels cause flooding on your property.

By-Law Coverage

If new local rules require you to make expensive modifications to your cottage, this coverage helps with renovation costs to bring your property up to code.

Wildlife Damage Coverage

Animals like bears, raccoons, and rodents can cause damage while searching for food or shelter. This coverage helps pay for repairs if animals break windows, tear screens, or damage the structure.

Frozen Food Coverage

If you leave frozen food at your cottage, this coverage replaces spoiled items, especially useful if you hunt, fish, or keep large amounts of food in the freezer.

Recreational Vehicle Coverage

This coverage protects your ATVs, snowmobiles, or golf carts from theft, damage, and liability while using them at your cottage, giving you peace of mind during your outdoor activities.

Is cottage insurance the same as home insurance?

Cottage insurance in Ottawa is a type of seasonal home insurance, sometimes known as secondary property insurance, designed specifically for vacation properties like cottages. Unlike standard homeowners insurance, it addresses the unique risks associated with cottages. Basic cottage insurance, often called “Named Perils,” only covers the specific risks listed in the policy.

Cottages are usually in remote areas and aren’t checked frequently, making them more vulnerable to issues like frozen pipes, theft, vandalism, or unnoticed damage. For example, if a pipe leaks or bursts without being detected, it can cause significant damage.

Additionally, many cottages are far from fire stations and don’t have nearby fire hydrants. This means that if a fire starts, it can take longer for firefighters to arrive, and the lack of hydrants makes it more difficult to control the fire, increasing the risk of extensive damage.

How much does cottage insurance cost in Ottawa?

If you’re looking for seasonal property insurance in Ottawa, the cost will depend on several factors. Here are a few factors that insurance companies consider for your cottage insurance costs:

• How often you use the cottage
• If your cottage is located in a remote or hard-to-reach area
• How close your cottage is to fire stations, police stations, and hospitals

These factors help the insurance company assess the risk of insuring your cottage, which will impact how much you pay.

Partner with Oracle RMS for all your insurance needs

At Oracle RMS, we are committed to delivering excellent customer service and personalized insurance products to ensure your peace of mind. Our brokers collaborate with leading Ontario insurance providers to offer a range of coverages, including home, business, renters, commercial property, and auto insurance.

We compare cottage insurance quotes and create custom policies tailored to your specific needs. If you need to file a claim, our team will guide you through the process to make sure everything is handled correctly.

Don’t wait! Contact Oracle RMS today for your free cottage insurance quote, or use our free online quote tool.

FAQs

What types of perils are typically covered under a cottage insurance policy?

A cottage insurance policy usually covers risks like fire, theft, vandalism, storm damage, and water damage. These protections help ensure your cottage is safe from common hazards.

How does cottage insurance differ from regular home insurance?

Cottage insurance is designed for properties that are not your main home and may be used less frequently. It often has different coverage options and limits, reflecting the unique risks of seasonal or occasional use.

Can I insure my cottage if it is only used seasonally?

Yes, you can insure your cottage even if it’s only used seasonally. Insurance companies offer policies that cater to seasonal use, providing coverage during the months you occupy the cottage and often at a lower cost.

Does cottage insurance cover rental use and short-term rentals like Airbnb?

Cottage insurance can cover rental use and short-term rentals like Airbnb, but you need to inform your insurance company. They will adjust your policy to include coverage for guests and the potential risks associated with renting out your property.

The Right Coverage For You

At The Best Price

“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
google Review