MANITOBA SEASONAL COTTAGE INSURANCE SPECIALISTS
Seasonal Cottage Insurance Manitoba Property Owners TrustProtect your Manitoba seasonal cottage with coverage designed around its location, occupancy and specific risks.
Trusted by Seasonal Cottage Owners in Manitoba
We’re NOT your typical insurance brokerage! R&R Plan helps Manitoba cottage owners compare seasonal property coverage and understand available protection.
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 Seasonal Cottage Insurance Provider
A seasonal cottage, calm waters, and Manitoba’s premier cottage protection. What else do you need?
Seasonal Cottage Insurance
Seasonal property insurance is designed for cottages used mainly during part of the year. Because the property may be closed for winter or vacant for extended periods, coverage often applies to specific named perils and policy conditions.
Secondary Cottage Insurance
Secondary property insurance may suit a second home with year-round access, permanent heating, reliable utilities and regular occupancy. Eligible properties may qualify for broader all-risks coverage, subject to policy exclusions and conditions.
Cottage Rental Insurance
A standard seasonal policy may not automatically cover paying guests. Seasonal rental extension coverage can help protect the building, belongings, liability exposure and eligible rental income during approved rental periods.
Builders Cottage Insurance
Our Builders Risk Cottage Insurance keeps you on solid ground. It can help protect a cottage construction project against eligible physical damage and liability, including materials on and off site, in transit and during construction.
The R&R Plan is an exceptional cottage insurance program designed by cottagers for cottagers! It gives you peace of mind while you enjoy your seasonal property, the outdoors, and family fun.
As a top-rated provider we offer outstanding protection at competitive rates. Our service and customer focus help us strive to be Manitoba’s best seasonal cottage insurance provider. Contact us to speak with a cottage insurance specialist.
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Cottage Specialists
What Is Seasonal Cottage Insurance?
Seasonal cottage insurance protects cottages, cabins and vacation homes used mainly for recreation during part of the year. Coverage and premiums may vary based on occupancy, location, heating, property condition, emergency access and proximity to water.
Seasonal Versus Secondary Properties
Seasonal cottages are used during certain months and may be vacant for extended periods. Coverage is often limited to named perils such as fire, lightning, windstorm, hail and falling objects.
Secondary properties typically have year-round access, permanent heat, reliable utilities and regular occupancy. They may qualify for broader all-risks coverage, subject to eligibility and policy exclusions.
R. Robertson Insurance Brokers can help identify the appropriate policy based on how the property is actually used.
What Does Seasonal Cottage Insurance Cover?
Depending on the policy, seasonal cottage insurance may cover:
- The cottage building and attached decks
- Furniture, appliances and other belongings
- Sheds, garages, docks, boathouses and other structures
- Liability for visitor injuries or property damage
- Fire, wind, hail, theft, vandalism and eligible water damage
Boats, jewellery, tools, sporting equipment and valuable structures may require additional coverage or have separate limits.
Water Damage, Winterization and Inspections
Coverage for burst or frozen pipes may depend on maintaining heat, shutting off water, draining systems and following the policy’s winterization requirements.
Optional overland water, sewer backup or enhanced water coverage may protect against surface water, drain backup and sudden plumbing escape, subject to eligibility.
Insurers may require scheduled inspections while the cottage is unoccupied. Written records can help show that policy conditions were followed.
Optional and Rental Coverage
Additional coverage may be available for burglary, vandalism, equipment breakdown, water damage, detached structures and increased personal property limits.
Rental activity must be disclosed before paying guests stay at the property. Seasonal rental coverage may protect the building, belongings, liability exposure and eligible rental income during approved periods.
FAQs
What Is Seasonal Cottage Insurance?
Seasonal cottage insurance is property insurance for cottages, cabins and vacation homes used mainly during part of the year. It accounts for extended vacancies, remote locations, private systems and seasonal occupancy patterns that can affect coverage, eligibility and cost.
How Does Seasonal Cottage Insurance Differ From Home Insurance?
Home insurance is designed for a primary residence occupied throughout the year. Seasonal cottage insurance reflects less frequent use, longer vacant periods and property-specific conditions, which can affect covered perils, claim settlement and the owner’s responsibilities.
What Is the Difference Between Seasonal and Secondary Property Insurance?
Seasonal insurance generally applies to a cottage used during certain months. A secondary home may have year-round access, permanent heating, reliable utilities and regular occupancy, allowing it to qualify for broader coverage. The insurer reviews the property’s actual use before selecting a policy.
What Does Seasonal Cottage Insurance Cover?
Coverage may protect the cottage building, belongings, detached structures and personal liability. Depending on the policy, protection may also apply to fire, windstorm, hail, falling objects, theft, vandalism and eligible water damage, subject to limits and exclusions.
Why Does Cottage Liability Protection Matter?
Docks, decks, stairs, fire pits, trails and water access can increase accident risks. Liability coverage may help with eligible legal expenses, medical costs or damages when a cottage owner is found legally responsible for injury or property damage.
What Is Enhanced Water Damage Coverage?
An enhanced water damage package may combine protection for overland water, sewer backup, sudden plumbing escape and other specified events. Eligibility depends on the property’s location, construction, drainage, claims history and regional flood risk.
What Are Winterization and Inspection Requirements?
When a seasonal cottage is closed, the policy may require heat to be maintained, water shut off, pipes drained and the property inspected on a set schedule. Failure to follow these conditions can affect a claim involving frozen pipes or water damage.
Does Seasonal Cottage Insurance Cover Rentals?
A standard seasonal cottage policy may not automatically cover paying guests. Seasonal rental extension coverage may protect the building, belongings, liability exposure and eligible rental income during approved periods. All rental activity must be disclosed before guests arrive.
What Affects a Seasonal Cottage Insurance Premium?
Insurers may consider location, emergency access, building age, construction, replacement value, occupancy, heating, electrical and plumbing systems, water exposure, claims history, rental use and selected coverage. Each insurer calculates rates differently.
How Can I Help Prevent a Seasonal Cottage Claim?
Inspect the roof, foundation, deck, dock, plumbing, heating and electrical systems regularly. Remove fire hazards, secure the property before leaving, winterize it properly and arrange reliable inspections during extended absences.
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Top Rated Seasonal 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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