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Vacation Home & Cottage Insurance Ontario

Relax, You're Protected with!

Your vacation property is as important as your primary home. Just like your house, it’s essential to protect your vacation property and personal belongings so you only pay the deductible, instead of paying for everything out of your pocket.

Cottage insurance can cover you on a seasonal or year round basis for perils including, but not limited to:

  • Fire or smoke damage
  • Theft and vandalism
  • Damage caused by trees, snow, ice, or water
  • Loss or damage from renting out your cottage or vacation home

What is included in Ontario cottage insurance policies?

Insurance Hero provides a variety of cottage insurance options and we’ll help you through the process of selecting the right coverage for your needs.

Specific perils

You can insure your cottage for specific risks such as fire, theft, vandalism and more. The cost depends on what you include in the policy.

Personal belongings

This includes permanent property that remains inside the cottage such as appliances and furniture. The content you bring back and forth from your primary home and the cottage is typically covered under your homeowner’s insurance policy.

Seasonal Insurance

If you only use your cottage during the summer, winter, or specific months of the year, you can be covered

Detached structures

Don’t forget about insuring sheds, garages, boat houses, guest homes and other additional buildings.

Third-party liability

You can be insured for any legal responsibilities if others injure themselves at your property, or you cause damage to neighbouring properties.

Ask our team about different available policy options and how you can insure one of your biggest investments. Relax and enjoy your vacation property with ease of mind knowing that your home is covered with

Whether you use your cottage on a seasonal or yearly basis, can offer you the peace of mind you’re looking for, with affordable vacation home insurance options.

Looking For More Home Insurance?

Condo Insurance

Condo insurance is not to be mistaken with home insurance. As opposed to homeowners, condo owners do not have a backyard, basement, or shed. Instead condo owners pay a building fee to the condominium association, where a portion of the money contributes to building insurance – anything outside of the unit.

Learn More

Tenant & Renters Insurance

Don’t have renter’s insurance? It may not be high on your priority list, but content insurance is a small investment that protects you in case of damages, loss of valuables, theft, and liabilities.

Learn More

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