Cabin Insurance Ontario

A comprehensive insurance policy, similar to how you would purchase insurance for your car, home, and boat, will protect you against being held legally culpable for all damages and associated expenses. Not only will this give you a sense of security knowing that your cottage is safe when you are away from the grounds of your property, but it will also enable you to spend your holiday with your relatives and friends without having to worry constantly. Cottage insurance in the province of Ontario can protect supplementary property owners against:

• Your property has been damaged.
• Injuries or death to third parties
• Associated medical expenses
• Vandalism and theft
• Legal fees that may be incurred as a result of a lawsuit

While cottage insurance is not mandatory in the province of Ontario, rather than be held personally liable for unexpected accidents, damages, and losses, ensure that your livelihood is protected with comprehensive, customizable insurance policies that reflect your needs as a cottage owner.

Although cabin insurance is not mandatory, if you own or rent a secondary home in the province of Ontario, you can sufficiently benefit from purchasing cottage insurance. Not only does it protect you from personal liability, but it also provides you with peace of mind knowing that you and your guests have coverage in the event something unexpected should occur on or to your property.

When partnering with R&R Plan for your cottage insurance in Georgian Bay, cottage owners will have the option of the following insurance coverage:

Seasonal Cottage Insurance 

This seasonal cottage insurance policy protects your secondary home against: 

•   Fire damage 
•   Storm damage 
•   Theft and vandalism 
•   Building collapse 
•   And more!

We offer liability coverage available for up to $5,000,000 and protection for an outbuilding, decks, and docks without any additional costs.

Secondary Cottage Insurance 

A secondary Cottage Insurance policy delivers a certified replacement cost while protecting your cottage and personal belongings against:

•   Fire damage 
•   Storm damage 
•   Theft and vandalism 
•   Damage from bears, raccoons, and squirrels 

With coverage all year round and liability policies available for up to $5,000,000, your property and outbuildings are covered from unanticipated hazards.

 Cottage Rental Insurance 

With the Cottage Rental Insurance policy, you’ll have coverage that includes: 

•   Personal liability protection should a third-party injure themselves on your property 
•   Owner’s liability protection against loss or damage caused by your watercraft
•   Rental income protection against financial loss due to damage or insured peril  

You’ll be thoroughly covered for up to 6 months of the year with this insurance plan.

Builders Cottage Insurance 

Start your ideal cottage construction while protecting your structure against damage and liabilities. This coverage includes:

•   Protection of building materials both on and off-site 
•   Coverage during transportation and construction 

What is not included

On the other hand, typical exclusions that are not offered in standardized cottage insurance plans include:

•   Septic backup and flooding 
•   Earthquakes 
•   Fuel oil release 
•   Damage or complete loss of motorized vehicles, campers, and trailers
•   Buildings used for farming or other business purposes

Furthermore, additional coverage options that cottage owners in Ontario have the ability to add to their portfolio include damage caused by squirrels, bears, raccoons, snow loads, freeze-ups, and short-term rental residents. In addition, R&R Plan is also pleased to provide protection for outbuildings, decks, docks, and outdoor equipment without any extra fees. This means that cottage owners can comprehensively insure their secondary property while remaining within the budget constraints to give you more flexibility and peace of mind during your time at your cottage.

There are numerous types of cabin insurance policies available for Ontario cottage owners to choose from. Here is a closer look at some of the available options offered by the team at R&R Plan: 

Seasonal Cottage Insurance 

This seasonal cottage insurance policy protects your secondary home against: 

•   Fire damage 
•   Storm damage 
•   Theft and vandalism 
•   Building collapse 
•   And more!

 We offer liability coverage available for up to $5,000,000 and protection for an outbuilding, decks, and docks without any additional costs. 

Secondary Cottage Insurance 

A secondary Cottage Insurance policy delivers a certified replacement cost while protecting your cottage and personal belongings against: 

•   Fire damage 
•   Storm damage 
•   Theft and vandalism 
•   Damage from bears, raccoons, and squirrels 

With coverage all year round and liability policies available for up to $5,000,000, your property and outbuildings are covered from unanticipated hazards.

 Cottage Rental Insurance 

With the Cottage Rental Insurance policy, you’ll have coverage that includes:  

•   Personal liability protection should a third-party injure themselves on your property 
•   Owner’s liability protection against loss or damage caused by your watercraft
•   Rental income protection against financial loss due to damage or insured peril  

You’ll be thoroughly covered for up to 6 months of the year with this insurance plan.

Builders Cottage Insurance 

Start your ideal cottage construction while protecting your structure against damage and liabilities. This coverage includes:

•   Protection of building materials both on and off-site 
•   Coverage during transportation and construction 

With the help of the team at R&R Plan, we’ll help you customize a cottage insurance policy that works for your unique needs and expectations as a secondary property owner. For more information on how our industry-leading team can help you protect your home and livelihood, get a free insurance quote before speaking to one of us directly! We look forward to working with you!