MANITOBA COTTAGE INSURANCE SPECIALISTS
Cottage Insurance Manitoba for Complete Property ProtectionProtect your Manitoba cottage with coverage built around your property and the way you use it.
Trusted by Cottagers in Manitoba
We’re NOT your typical insurance brokerage! R&R Plan is an exceptional cottage insurance program that offers outstanding protection at competitive rates.
We Make Cottage Insurance EASY!
1. Use Our Free Calculator Tool
Use our Free calculator tool, email us, or call a cottage insurance specialist.
2. Answer ten Simple Questions
Answer 10 simple questions to calculate your secondary cottage insurance premium.
3. Get an Instant Estimate
Get a Free instant secondary cottage insurance estimate in minutes. Calculate your rate today!
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Manitoba’s Premier Cottage Insurance Provider
A cottage, calm waters, and Manitoba’s premier cottage protection. What else do you need?
Seasonal Cottage Insurance
A seasonal property is generally used for recreation during part of the year. It may be closed during the winter or remain vacant for extended periods. Seasonal property insurance often provides coverage for specific named perils listed in the policy.
Secondary Cottage Insurance
Secondary property insurance may be appropriate for a vacation home that is available for use throughout the year. Secondary insurance may provide all risks coverage, subject to the exclusions and conditions listed in the policy.
Cottage Rental Insurance
Standard cottage insurance may not automatically protect a property that is rented to paying guests. Seasonal rental extension coverage can help protect the building, contents, liability exposure, and potential rental income during approved rental periods.
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.
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 provider we offer outstanding protection at competitive rates. Our exceptional service and customer focus help us strive to be the best cottage insurance provider in Manitoba! Contact us to speak directly to a cottage insurance specialist.
Top-Rated Provider
Exceptional Service
Competitive Rates
Cottage Specialists
What Is Cottage Insurance?
Cottage insurance protects seasonal homes, vacation properties, cabins and secondary residences. Coverage and premiums may vary based on occupancy, location, heating systems, property condition and proximity to emergency services or water.
Seasonal Versus Secondary Properties
Seasonal cottages are generally used during part of the year and may remain vacant for extended periods. Coverage may be limited to specific named perils, such as fire, wind, theft, vandalism and certain types of water damage.
Secondary properties are suitable for year-round use but are not the owner’s primary residence. Properties with reliable heating, maintained access, modern systems and regular occupancy may qualify for broader coverage.
- Robertson Insurance Brokers can help identify the appropriate policy based on how the property is used.
What Does Cottage Insurance Cover?
Depending on the policy, cottage insurance may cover:
- The cottage building and attached structures
- Furniture, appliances and other belongings
- Sheds, garages, docks and other detached structures
- Liability for visitor injuries or property damage
- Fire, theft, vandalism and eligible water damage
Certain belongings, recreational equipment and structures may require additional coverage or have separate limits.
Water Damage and Replacement Coverage
Coverage for frozen pipes or plumbing damage may depend on maintaining heat, draining water systems and completing required inspections.
Optional overland water or enhanced water coverage may protect against risks such as surface water, sewer backup or service line damage.
Guaranteed replacement cost may cover the full cost of rebuilding after an insured loss, subject to eligibility requirements and accurate property information.
Optional and Rental Coverage
Additional coverage may be available for equipment breakdown, service lines, detached structures, vandalism, recreational property and cottage rentals.
Rental activity must be disclosed before paying guests stay at the property. Rental coverage may protect the building, belongings, liability exposure and eligible rental income during approved rental periods.
FAQs
What Is Cottage Insurance?
Cottage insurance is a form of property insurance created for vacation properties, seasonal homes, cabins, and secondary residences. It is designed to account for risks that may not affect a primary residence in the same way. A cottage might remain empty for weeks, be located far from emergency services, use a wood stove, rely on private electrical systems, or sit close to a lake or river.
How Does Cottage Insurance Differ From Home Insurance?
A standard home insurance policy is generally designed for a primary residence that is occupied throughout the year. Cottage insurance must consider different occupancy patterns and property conditions. Seasonal properties may be visited only during warmer months. Secondary properties may be used year round but are not the owner’s primary residence. Some cottages are rented to guests, while others are shared only with family and friends.
What Does Cottage Insurance Cover?
Cottage insurance commonly protects the physical structure, personal property, other structures, and liability exposures. The coverage provided depends on the insurance products available, the value of the cottage, and the policy selected. Every cottage insurance claim is subject to the conditions, limits, and exclusions shown in the policy.
Why Does Cottage Liability Protection Matter?
Cottages may include docks, fire pits, stairs, decks, water access, boats, and outdoor activities. These features can increase the possibility of an accident. Maintaining the property, repairing unsafe conditions, and carrying an appropriate liability limit can help protect cottage owners from significant financial loss.
What Are Common Risks for Manitoba Cottage Owners?
Manitoba cottage owners can face risks involving severe weather, fire, theft, vandalism, freezing temperatures, and water damage. Remote properties may also be difficult to inspect regularly. Delayed discovery of damage can increase repair costs and complicate a cottage insurance claim.
What Is Enhanced Water Damage Coverage?
An enhanced water damage package may combine protection for several water related risks, depending on the insurance company and the property’s eligibility. Coverage options may address sewer backup, surface water, sudden plumbing escape, service line or other specified causes.
What Is Guaranteed Replacement Cost?
Guaranteed replacement cost coverage will pay the full cost of rebuilding a cottage after a covered loss, even when that amount exceeds the building limit shown on the policy. This coverage is normally subject to specific conditions. The building must be insured to an accurate value, and the insurer may require updated information about its size, construction, renovations, and replacement cost.
Does Cottage Insurance Cover Rentals?
Standard cottage insurance may not automatically protect a property that is rented to paying guests. Seasonal rental extension coverage can help protect the building, contents, liability exposure, and potential rental income during approved rental periods. Owners must disclose rental activity to their insurance broker before guests stay at the property.
What Affects a Cottage Insurance Premium?
The cost of cottage insurance depends on several property and coverage factors. Insurance companies use their own formulas to calculate rates. This means two insurers may provide different premiums for similar coverage.
How Can I Help Prevent a Cottage Insurance Claim?
Preventive maintenance can reduce the possibility of damage and help keep the cottage safe. Inspect the roof, foundation, deck, dock, plumbing, heating equipment, and electrical systems regularly. Remove fire hazards, secure the property before leaving, and arrange for inspections during long absences.
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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
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