Cottages, cabins, chalets, and seasonal homes across Canada face unique insurance challenges that standard homeowner policies do not address. Seasonal properties are often left unoccupied for months at a time, located in rural or waterfront areas, and may have older construction or limited winterization. These factors increase the risk of water damage from frozen pipes, break-ins, wildlife damage, and weather-related losses. Many standard insurers decline to cover seasonal properties or charge significant surcharges. Specialized cottage and seasonal property insurance provides coverage tailored to these risks, including vacancy provisions and watercraft liability. A broker with experience in recreational property insurance can help you find the right coverage and identify requirements for your specific situation.
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Yes, seasonal property insurance is specifically designed for homes that are not occupied year-round. Standard home insurance policies require the property to be your primary residence and may void coverage if the home is left vacant for extended periods (usually more than 30 consecutive days). Seasonal policies account for vacancy, remote locations, and the unique risks these properties face.
Seasonal property insurance covers the building structure against fire, wind, lightning, theft, and vandalism. It can also include coverage for detached structures (docks, sheds, boathouses), personal property at the cottage, personal liability for injuries on the property, and additional structures. Important endorsements to consider include watercraft liability, sewer and septic backup, and overland water (flooding) coverage.
Most seasonal property insurers require you to take specific steps to protect the property during the off-season, such as shutting off and draining the water supply, maintaining a minimum temperature or using a monitored heating system, and securing all entry points. Failing to meet these conditions can result in a denied claim for water or freeze-related damage. Your policy will specify the exact winterization requirements.
If you plan to rent out your cottage or seasonal property, you must inform your insurer, as standard seasonal policies may not cover rental activity. You may need a rental endorsement or a dedicated rental property policy. Short-term rentals (such as Airbnb) require specific disclosure and may need additional liability coverage. Failing to disclose rental activity can void your coverage.
Seasonal property insurance costs vary based on the property's location, construction, value, proximity to water, access to fire services, and whether it is winterized. Annual premiums for a typical Canadian cottage range from $800 to $3,000. Properties in remote areas, near water, or with older construction may pay more. Bundling with your primary home insurance can offer discounts of 5% to 15%.
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