Secondary Home & Cottage Insurance
Protect your vacation home, cottage, or seasonal property with specialized coverage designed for properties that aren't your primary residence.
Secondary Home Coverage Options
Secondary homes and cottages face unique risks due to their seasonal use and periods of vacancy. Our specialized coverage addresses these specific challenges.
Property Protection
EssentialCovers damage to your secondary home from fire, severe weather, vandalism, and other covered perils, even when you're not there.
Seasonal Coverage
IncludedProtection against seasonal risks like frozen pipes, ice dams, and snow load damage common to properties occupied part-time.
Vacancy Protection
IncludedEnhanced coverage for properties that sit vacant for extended periods, addressing increased risk of theft, vandalism, and weather damage.
Liability Coverage
IncludedProtects you if someone is injured on your property or if you accidentally damage neighboring properties, covering legal and medical costs.
Contents Insurance
IncludedCovers furniture, appliances, electronics, and personal belongings at your secondary home against theft, fire, and other covered losses.
Additional Living Expenses
OptionalPays for temporary accommodation if your secondary home becomes uninhabitable due to a covered loss while you're staying there.
Unique Risks for Secondary Homes
Secondary homes face different risks than primary residences. Understanding these helps ensure you have proper coverage.
Extended vacancy periods increase risk of undetected damage from leaks, break-ins, or weather
Seasonal properties may have winterization requirements to maintain coverage
Remote locations may have longer emergency response times and limited services
Standard homeowners policies may not fully cover properties you don't live in year-round
Waterfront properties face additional risks from flooding, erosion, and dock damage
Septic systems and well water require specific maintenance to maintain coverage
Secondary Home Insurance FAQs
Can I use my primary home insurance for my cottage?
No. Your primary home policy typically has limited coverage for secondary properties. You need a separate policy specifically designed for cottages and vacation homes.
What if I rent out my cottage occasionally?
If you rent your cottage, even occasionally, you need to disclose this to your insurer. You may need additional coverage or a landlord policy depending on how often you rent.
Are my watercraft and recreational equipment covered?
Basic coverage may have low limits for watercraft. If you have boats, jet skis, or ATVs at your cottage, you may want to add separate coverage or increase limits.
What winterization requirements might I have?
Many policies require you to either winterize the property (drain pipes, shut off water) or maintain heat during winter months. Failing to do so can void water damage coverage.
Is my cottage covered during the off-season?
Yes, but you may have specific requirements like regular inspections or winterization. Coverage for certain perils may be limited during extended vacancy periods.
Get Your Cottage Quote
Protect your vacation home or cottage with specialized coverage.
What You'll Need for a Quote
- Property address and access type
- Construction type and year built
- Heating source and water supply
- Months of occupancy per year
Related Coverage
ProtectYourCottageorVacationHome
Get specialized coverage for your secondary home, cottage, or seasonal property. Coverage designed for properties you don't live in year-round.