Protect Your Cottage And Your Peace Of Mind With Insurance

Photo: Ontario Tourism

Having a home away from home is something that many people dream of - a stunning cottage right next to the lake or perhaps in the middle of the countryside where you can escape to whenever you feel like it.

It can take a long time to find the right holiday cottage, and we know that regardless of your budget, a home away from home is quite the investment. This means that you want to protect it and keep it safe at all costs.

There are insurance brokers available for everything these days, but that can make it quite challenging to find the quality of service that you require.

Luckily, Ontario cottage insurance is here to provide you with the protection you need for your cottage, as well as giving you peace of mind that your home away from home will always be safe. 

What is cottage insurance?

There are insurance plans and brokers for almost everything available these days. From your home, your pets, to even your smartphone, it is possible to get insurance for them to ensure that you are protected, should anything go wrong.

Morison insurance understands that a holiday cottage is one of the most significant and best investments that you can make - which means you want to ensure it’s protected.

Having a home away from home in a beautiful location, with access to the lake or sea, is a dream that not every family can achieve. But through your hard work and determination, you have made this dream a reality and now own a stunning holiday cottage that you can escape to whenever you feel like it.

Much in the same way that you have insurance on your home, you should invest in cottage insurance to protect your home away from home. Insurance protects your cottage from a range of issues, including vandalism and fire, but it will also give you peace of mind.

As most cottages are left empty at specific points in the year, it will always be in the back of your mind that something can go wrong with it. Investing in quality cottage insurance will provide that peace of mind you need, as it protects you from a range of issues and ensures that you will be covered.

Cottage insurance can cover many issues, and Morison insurance offers the broadest range of coverage available.

What protection is provided?

For those who own a holiday cottage, you understand that when it is not in use – such as over the winter when it is too cold for vacation – it is substantially at risk. 

This means that there is a whole range of issues that could arise when you are not using your cottage, which is why cottage insurance is so important.

These cottage insurance policies can provide you peace of mind by protecting your home away from home against a range of issues, including:

●      Winter Weather Damage

Having a holiday cottage in a natural, open location is the most desirable part. Most holiday cottages are located by the lake, beach or in the vast countryside to give you a chance to really escape the hustle and bustle of everyday life and into nature.

While these locations are beautiful in the warmer months, they can be pretty damaging in the winter. Cottage insurance will protect your property and provide claims for any form of winter weather damage.

Perhaps heavy snow-fall has destroyed your roof, or mass amounts of rain have to lead to flooding? There is a claim available for a range of winter weather damage.

●      Fire And Vandalism

Based on your cottage location, it could be at risk of natural fires that you will be protected against in your insurance. However, one of the most significant risks for cottage owners is vandalism, which can cover a wide range of issues.

When your cottage is empty over the winter months, it gives a prime opportunity for vandals to destroy and ruin your home away from home. Of course, there is a range of security options that you have already invested in, but these will not come to use once the damage is done.

With cottage insurance, you can be protected and covered for a whole range of vandalism. This means that together we can help you redesign your cottage and repair it or help you buy another home away from home in a new location depending on how bad the damage is.

●      Cottage Toys And Equipment

As well as offering insurance for the actual property, cottage insurance can also cover your equipment and gear that is left behind. For those who stay close to the lake, your cottage is likely full of water toys and sporting equipment that is simply not needed after vacation.

This cottage insurance can cover damages and theft of a range of items from watercraft to golf carts. This will provide you with peace of mind whenever you lock up your equipment after the summer, as you know that it is protected from a range of issues.

What else do you offer?

Cottage insurance can also provide a range of other claims and protection that is not offered anywhere else.

This is an inclusive form of home insurance that is made to cover the property of your holiday cottage, as well as any outbuildings and contents from a range of risks.

It is essential that you thoroughly read your policy contract to see what is not included in your cottage insurance, but you will be pleasantly surprised by the kind of cover that is offered.

How much is cottage insurance?

Protecting your cottage is an investment, but that doesn’t mean that it isn’t accessible.

There is a range of insurance policies available, and these costs between $800 to $3,000 annually based on the kind of cover you need, as well as other factors such as property type and location.

The cost of cottage insurance can also be influenced by how often this property is habited, as those that are empty most of the year are more at risk of specific issues, which means their insurance needs are higher.

How many amenities you have inside your cottage and their overall value can also determine the cost of insurance.

With a wide range of policies, there is cottage insurance to suit all needs and properties to provide you with peace of mind all year long.

Is cottage insurance for me if I rent my property?

There is a range of cottage insurance policies available for you to consider, and this also includes those who rent their cottage.

This is something that you will have to discuss with your insurance broker, but the cottage insurance for those that rent is typically based on your renting period.

Protect your cottage and peace of mind

We understand how valuable it is to have a home away from home that you can escape to whenever you feel like it. This is why there is a range of cottage insurance policies available, ensuring that you can protect this property and have peace of mind all year long.