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While not a legal requirement, purchasing cottage insurance coverage is a wise precaution to take. Much like other types of insurance, premiums and coverage options vary widely. Factors including the insurance provider, whether the cottage is seasonal or winterized, its location, and more can affect the cost and extent of coverage you receive. Typically, seasonal cottage insurance premiums will be higher than those for a winterized cottage, which can often be covered as a second home. Many policies for seasonal cottages work on a “named perils” basis, wherein coverage is provided only for the risks you want covered (i.e. windstorms), though some providers offer all perils coverage. Generally speaking, you can expect that your cottage insurance policy will likely be more expensive than your home insurance due to the perceived greater risk.
At Best Buy Insurance, our experienced brokers can help you find the cottage insurance policy that best protects your home away from home, all at reasonable prices.
Call us today at 905-683-3110 for more information!
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Want to speak with an insurance agent? Call: 905-683-3110. We're available Mon - Fri 9am - 5pm.