Regardless of whether your property is used year-round or seasonally, liability coverage is important as accidents can happen anywhere, anytime. This will also cover you for any damage you may cause to a neighbour’s property.
Coverage for Cottage Contents
Be sure to cover all contents that remain permanently at this location. The items you continually take back and forth week after week need to be covered on your primary home insurance.
Detached Private Structures
Again, depending on your property, you might want to buy additional coverage on structures. Coverage may be limited for outbuildings such as boathouses.
Let’s talk about the toys. Do you spend your day waiting for that big catch or do you prefer the action packed fun of water sports? Whatever floats your boat, let’s get it covered properly. Most seasonal property insurance policies will include coverage for small craft.