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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 there was a fire?

In cottage country, fire services can be far away and it’s possible you won’t be there to act quickly. Cottage insurance can protect you against damage and loss that isn’t your fault.

What if a pipe burst and no one’s there?

Water can cause severe damage to your property, especially if you don’t know about it right away. Luckily, your cottage insurance can include water damage and sewer backup coverage to protect you.

What if your deck is damaged?

At your cottage, you may have additional structures like a bunkie, shed, dock or a massive deck. Your cottage insurance policy could provide damage protection for these structures as well as the main building.

Buy Cottage Insurance Online

Whether your cottage is decked out or more rustic and off the grid, there’s a cottage insurance package that’s perfect for you. And it’s fast and easy so you can get back to it.

Get Quote. Buy Now.

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 but, good news, buying it online is quick and easy. 

You can also customize your insurance 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 outlined for each coverage. Some of the coverages available 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 protects additional structures on your cottage property, like a shed, bunkie or dock.

Sewer Backup Coverage

This is optional and protects you from water damage through sewers and drains. Handy since you may not be there when it happens.

Theft Coverage

Theft can be a risk with cottage properties since you’re not always there. You can choose to add burglary coverage to your policy 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.

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.


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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