Property Insurance
Cottage and Seasonal Property Insurance in Ontario
Cottages and seasonal homes have their own risk profile: months of vacancy, water-access locations, detached bunkies and boathouses, and wood-heat systems. We place coverage with insurers who actually want cottage business, not those who load the rate to discourage it.
- Year-round or seasonal use
- Water-access properties
- Detached structures & boathouses
- Wood stove & wood-heat acceptable
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- RIBO Licensed brokerage
- Same day broker follow up
Prefer to talk? Call (905) 492‑7070.
Who this is for
- Owners of seasonal cottages
- Year-round country-property owners
- Owners with water-access only properties
- Owners renting the cottage out part-time
How BrokerUnion helps
- Place with cottage-friendly markets
- Document wood-heat and outbuilding details correctly
- Add boat, dock and watercraft coverage
- Coordinate with your principal-home policy
FAQ
Common questions
Is a cottage covered under my home policy?
Sometimes incidentally, but it is much better placed as its own seasonal dwelling policy with the right exposures rated.
Ready to talk cottage & seasonal property insurance?
A licensed broker will review your situation and walk you through your options. No pressure, no jargon.