Many Canadians own cottages in Ontario some use them to create cherished summer memories with family, while others treat them as seasonal homes or income-generating rental properties. Whatever your use, protecting your cottage with the right insurance plan is a smart, responsible investment.

While cottage insurance isn't legally mandatory, certain requirements like proximity to emergency services, accessibility, and how often the cottage is occupied can impact the type of coverage you need and your quote. If your cottage is unoccupied for extended periods, it's exposed to greater risks such as vandalism, fire, water damage, or burst pipes all of which can be more severe due to delayed detection.

It’s important to know that cottage insurance is typically structured as a “Named Perils” policy, which means it covers only specific risks. This differs from standard home insurance, which is usually more comprehensive.

Tip: Prevent burst pipes in the winter by adding antifreeze to plumbing fixtures and drains.

Cottage Insurance Coverage Options

Contents Coverage: Protects valuables and personal belongings that stay in your cottage year-round from covered perils such as theft, fire, or water damage.

Detached Private Structures Coverage: Covers damage to additional structures on your property, including sheds, garages, or boathouses.

Watercraft Coverage: Extends protection to recreational items like boats, canoes, jet skis, and rowboats that may be kept on the property.

Personal Liability Coverage: Covers legal costs and damages if someone is injured or their property is damaged while visiting your cottage.

Why Choose Vanguard for Cottage Insurance?

- Multiple quotes from trusted insurance partners for comparison

- Personalized coverage plans tailored to your property and how you use it

- Friendly and efficient support during the claims process

- Options for seasonal use, rental cottages, and second homes

If you rent out your cottage seasonally or full-time, you may need stand-alone cottage rental insurance—this includes specialized liability and property protection tailored to rental scenarios.

At Vanguard, our licensed brokers will build a cottage insurance plan customized for your unique property and usage. Reach out today to request a quote and protect your investment year-round.