Ontario Cottage Insurance Specialists
Protecting Your Fun Just Got a Lot Easier!Trusted by Cottagers in Ontario
We Make Cottage Insurance EASY!
1. Use Our Free Calculator Tool
Get started with our Free calculator tool, send us an email, or give us a call to speak with an Ontario cottage insurance specialist.
2. Answer ten Simple Questions
You only need to answer 10 questions! Our tools will use this information to calculate your cottage insurance premium.
3. Get an Instant Estimate
Get a Free instant cottage insurance estimate in less time than it takes to take out the trash. Calculate your cottage insurance today!
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The ONLY Online Cottage Quotes in Ontario!
Ontario’s Premier Cottage Insurance Provider
Seasonal Cottage Insurance
Enjoy the most out of your cottage by protecting yourself with Ontario’s Premier Cottage Insurance Provider! RR Cottage Insurance protects your seasonal home and belongings against fire and extended perils including storm damage, theft & vandalism, building collapse and much more! Interested in enhanced coverage? Learn about our single limit protection at no extra cost. Learn More.
Secondary Cottage Insurance
Receive total peace of mind regarding your secondary cottage with secondary cottage insurance. As your insurance provider, RR Cottage Insurance defends you against damage and theft with our guaranteed replacement cost! Protect one of your most valuable and sentimental investments with the only provider offering coverage against damaged caused by bears, raccoons, and squirrels. Learn More.
Cottage Rental Insurance
Renting out your cottage? What a perfect mix of fun and investment! Properly protect your cottage with extended rental cottage insurance coverage designed just for you. Coverages include rental income, personal liability, and owner’s liability. Find out what Ontario best cottage insurance providers can offer you! Learn More.
Builders Cottage Insurance
Our Builders Risk Cottage Insurance keeps you on solid ground! Ensure your cottage construction project is properly protected against physical damage and liabilities that stand in the way of completion. Offering coverage for materials on and off site, in transportation, and during construction. Find out how much you can save by switching to RR Cottage Insurance today! Learn More.
The R&R Plan is an exceptional cottage insurance program designed by cottagers for cottagers! The R&R Plan gives you peace of mind while you enjoy your passions, the outdoors, and family fun!
As a top-rated provide we offer outstanding protection at competitive rates. Our exceptional service and customer focus help us strive to be the best cottage insurance provider in Ontario! Contact us to speak directly to a cottage insurance specialist.
Top-Rated Provider
Exceptional Service
Competitive Rates
Cottage Specialists
FAQs
Is there an added cost to my premiums if I have a wood stove in my cottage?
Do you provide insurance coverage for water access cottages?
Does RR Cottage Insurance insure off-the-grid cottages?
Do you insure land lease cottages?
What are the benefits of working with RR Cottage Insurance?
- We provide cottage insurance as a standalone product that’s not bundled with other insurance coverages you don’t need or want. Our cottage insurance coverage is not an afterthought or an add-on. Our plans are written to specifically address the needs of a cottage and ensure that it’s fully protected.
- As cottagers, we provide the coverages that we would want for ourselves. That means we provide more coverages included as part of our plans without extra fees. Those coverages include cottages with wood stoves, watercraft and accessory coverage and protection for outbuildings, docks, decks and outdoor equipment at no extra cost.
- We have unique offerings not found anywhere else such as cottage coverage options for snow load, freeze-ups, short term rentals up to 6 months and coverage for damage caused by squirrels, raccoons and bears.
- We provide cottage insurance for people who reside outside of Ontario or Canada – even U.S citizens!
- Your family’s safety is our number one concern. Our team of dedicated claim staff are here when you need us the most. If you suffer a loss you can call our emergency line 24 hours a day, 7 days a week and speak to a team member who deals exclusively with cottage insurance claims.
Do you provide cottage insurance for corporations?
Do you cover short term rentals?
Does RR Cottage Insurance provide freeze-up coverage?
- Pipes
- Water heaters
- Pressure tanks
- Appliances
There are certain criteria for this coverage to apply including ensuring the water pump or municipal water intake line are shut off when you’re away from the cottage, that you maintain a reasonable amount of heat in your cottage and that you drain the water system, domestic water containers and appliances. For more information, visit our Enhanced Freeze Up Protection page.
Do you require inspections during the winter?
Can I rent my cottage out under the R&R Plan
- Additional cottage rental coverage for up to 6 months
- Limited coverage if a peril causes you to lose rental income
- Personal liability coverage if a renter injures themselves
- Limited coverage for damage caused by the use of your watercraft
Do you have coverage for cottages undergoing renovation projects?
- Building materials on or off site and while in transit
- Building course of construction which protects you and your cottage while it’s under construction
GET COTTAGE INSURANCE IN 3 STEPS
Ontario’s Top Rated Cottage Insurance Company
After trying to get insurance through our house insurer, it was like a breath of fresh air dealing with people that understood and accommodated cottage insurance.
Pigeon Lake
Always an excellent experience with RR Cottage Insurance. I feel well informed, well covered, and glad I chose RR Cottage as my insurance specialists for my cottage.
Little Lake
Always an excellent experience with RR Cottage Insurance. I feel well informed, well covered, and glad I chose RR Cottage as my insurance specialists for my cottage.
Little Lake