Your weekend Oasis. How well is it protected?
There are many different types of cottage policies from your basic camp that gives you shelter to your chalet that is winterized and used all year around.
For the winterized cottages accessible by road all year policies can include coverage for your building, contents and liability with broad loss types covered.
For your camp used only in the summer or cottages under construction coverage your policy will be more limited to cover only the building to with a few named loss types covered. These more basic policies will have options to purchase coverage such as contents, theft, vandalism, and more.
If your cottage is used all year around you may purchase a more complete policy with coverage for your building, contents and detached structures, additional living expenses, and liability. These policies provide you with all risk loss type coverage and have optional coverage available such as sewer backup.
Cottages can be attached to your home insurance policy or on a separate policy. Your broker can help you find the best fit and coverage for your home away from home.