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Cottage Insurance

Cottages are fun.
Insurance shopping? Less fun.

But we can make it easier. Get started with a quick quote and see how we’re making insurance buying as smooth, simple and painless as possible.

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Protect what you love from what you don’t love: the unexpected

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What if you own a boat?

With a seasonal home insurance policy, you can have the option to include liability coverage for your watercraft to help protect you and your cottage lifestyle.

What if someone is injured on the dock?

At your cottage property, you may have a dock or boathouse on the shoreline. Your insurance policy could extend to provide liability protection for these structures.

What if your getaway home was broken into?

Your personal belongings were damaged. Or worse, taken. Now what? Insurance can help cover those items at your seasonal or secondary home.

What does cottage insurance cover?

Your cottage or seasonal home is your escape from the world. But what if something happens to it while you’re away? Buying cottage insurance is essential and, good news, getting a personalized quote online is quick and easy.

You can customize your insurance quote online by choosing the coverages and limits that make sense for you. The cost of your insurance coverage will depend on things like the type of cottage you own, the location, and the personal belongings you have to protect. There will be limits for each coverage. Some available coverages can include:

Personal Property Coverage

This protects personal belongings kept at your cottage–everything from VCRs (remember those?) to ping pong tables.

Detached Structures Coverage

This coverage can protect structures on your cottage property, like a dock or boathouse.

Sewer Backup Coverage

This is optional and can protect you from water backing up or escaping through sewers and drains. Handy since you may not be there when it happens.

Theft Coverage

Theft can be a risk with seasonal and secondary properties since you’re not always there. Your policy could include burglary coverage for peace of mind.

Liability Coverage

This coverage will protect you financially if someone is injured on your property and it results in a lawsuit. This coverage can sometimes extend to your dock or boathouse.

It’s important to remember to inspect your property often if you’re not always there–especially after severe weather. That way you can ensure any claims you need to make are covered according to your policy terms.

Seasonal Rental Coverage

Some policies can include optional coverage if your seasonal home is rented out some of the time, through rental platforms.


We love our clients.
Turns out, they love us too.

  • …always very helpful and accommodating. I have been very happy with the services you have provided.

    Nancy H.

  • We really appreciate you expediting this process. Great service.

    Brenda and Bert C.

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