Seasonal Property Insurance Ontario

Seasonal Property Insurance Ontario

Whether it’s a cozy winter cabin, a sunny beach house, or a retirement getaway, many Canadians nowadays have some type of cottage or secondary holiday home to spend their free time. And not just Canadians; people all over the world opt to have a secondary, seasonal property in Ontario because of its many popular destinations and beautiful landscape.

Whether you are looking to enjoy its various winter celebrations or you just love getting away for the summer, Ontario has something for everyone. But before you take that big step in purchasing a seasonal home, you must consider seasonal property insurance to ensure your new property is protected against financial loss and liability.

R&R Plan Cottage Insurance has been assisting cottage owners in insuring their secondary properties for over 50 years. Our team offers Ontarians the best cottage insurance policies thanks to our industry-leading insurance experts. Our comprehensive policies are custom-made to fit the unique requirements of all secondary property owners. R&R Plan Cottage Insurance has specially built these policies to ensure your property is safe and protected all year long.

The R&R Plan Cottage Insurance team recognizes that each seasonal property owner is different and requires an insurance policy that mirrors their needs. Our expert insurance specialists work with our clients to assemble the perfect type of protection they need. With their vast knowledge of the seasonal property insurance market and available products, not to mention our exceptional customer service, our insurance specialists are ready to help you find the best rates to fit your budget. Seasonal property owners in Ontario can put their trust in the R&R Plan to protect their interests and assets.

R&R Plan is the only online cottage insurance quote provider in Ontario. Our goal is to make insurance a simple, fast, and convenient process for all cottage owners in Ontario.


What is seasonal property insurance in Ontario?

Seasonal property insurance works to protect a secondary property, such as a cottage or vacation home, that you either live-in part-time or occasionally visit throughout the year.

Your seasonal property insurance is separate from your homeowner’s insurance. It protects your secondary home, any additional buildings or structures on the property (such as a boat house, shed, deck, hot tub, etc.), and the contents within these buildings from insured risks such as vandalism, theft, fire, weather damage, and even damage from wild animals. Seasonal property insurance also protects you financially should someone injure themselves on your property or if you cause damage to someone else’s property.

Something to keep in mind is that, in order to qualify as a seasonal property, it must be a secondary home that is only occupied for part of the year. This could be on weekends, for a few months or even a season or two — just not all year round. Below are some examples of secondary properties:

  • Cottage
  • Lakehouse
  • Beach house
  • Cabin
  • Hunting shack
How does seasonal property insurance work in Ontario?

A seasonal property insurance plan will not only cover any damage to the building or property of your seasonal home but also protect you from personal liability if someone visits your property and gets seriously hurt. For example, if a guest of yours were to fall off your back deck or perhaps your dock and end up gravely injured, you may find yourself facing a civil suit. In that case, you would be protected by the terms of the conditions in your comprehensive insurance policy.

Additionally, seasonal property owners want to determine whether their policy covers restoration expenses or upgrading costs to ensure they meet safety and permit codes. Knowing if your insurance would cover the home of your recreational property’s replacement cost is essential.

Here at R&R Plan Cottage Insurance, our team is prepared to answer any questions you may have about your seasonal property insurance. By partnering with us, we will work together to personalize your insurance plan to fit exactly what you need. Our team will go above and beyond to ensure our clients are confident and well-informed about their comprehensive insurance policies.

Why is seasonal property insurance so important?

Seasonal properties can present more risks than what a cottage owner may expect. For this reason, having a comprehensive insurance policy is guaranteed to protect you against legal responsibility for all damages and associated expenses. 

Seasonal property insurance in the province of Ontario can protect seasonal property owners against the following:

  • 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
How can I get seasonal property insurance in Ontario?

If you want to purchase seasonal property insurance in Ontario, R&R Plan Cottage Insurance is ready and eager to help. We have a free online calculator to help you get started with your free insurance quote in just minutes. 

Several factors can affect your insurance quote, so before you get started, here are some variables you need to keep in mind:

  1. How often will you use the property?
  2. Where is it located?
  3. Do you have road access all year round?
  4. When was your recreational property built?
  5. How will you maintain your cottage during the winter months?
  6. Do you have a boat that requires additional insurance?

R&R Plan Cottage Insurance is Ontario’s only online cottage insurance quote provider. Our goal is to make insurance a simple, fast, and convenient process for all cottage owners in Ontario. Get your free quote today!

What is covered by seasonal property insurance in Ontario?

While seasonal property and primary home insurances share many of the same characteristics, there are a few differences. These differences are because you only occupy your seasonal property for brief periods of time. 

At R&R Plan Cottage Insurance, we are excited to offer first-rate insurance policies for cottage owners. Here is how our insurance specialists are prepared to assist all cottage owners in Ontario:

Seasonal Cottage Insurance 

This seasonal cottage insurance policy protects your secondary home against the following: 

  • Fire damage 
  • Storm damage 
  • Theft and vandalism 
  • Building collapse
  • Liability coverage available for up to $5,000,000 
  • Protection for an outbuilding, decks, and docks without any additional costs.

Secondary Cottage Insurance 

With our Secondary Cottage Insurance policy, we offer year-round, guaranteed replacement costs while protecting your cottage and personal belongings against the following:

  • Fire damage 
  • Storm damage 
  • Theft and vandalism 
  • Damage from bears, raccoons, and squirrels
  • Liability coverage available for up to $5,000,000

Cottage Rental Insurance 

With the cottage rental insurance policy, you will have coverage that includes the following: 

  1. Personal liability protection in the event a third party injures themselves on your property 
  2. Owner’s liability protection against loss or damage caused by a watercraft (if “incidental” watercraft is included in your contract)
  3. Rental income protection against financial loss due to damage or insured perils

This insurance plan will cover you for up to six months of the year.

Builders Cottage Insurance 

Start your 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

Additional Cottage Insurance 

Additional coverage options for secondary homes include:

  • Protection from damage that results from squirrels, bears, raccoons, snow loads, freeze-ups, and short-term rental residents
  • Protection for outbuildings, decks, docks, and outdoor equipment without any extra fees added
  • Protection from damage that is caused by septic backup and flooding, earthquakes, fuel oil release
  • Coverage for damage or total loss of motorized vehicles, campers, or trailers
  • Coverage for buildings used for farming or other business operations

What’s Not Covered by Cottage Insurance

Before partnering with an insurance firm in Ontario, cottage owners should keep in mind that some features are not included in standardized cottage insurance plans. These omissions include: 

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

In order to protect your property from these insurable risks, or if you’re unsure of what type of coverage you need for your seasonal property, be sure to talk with your insurance advisor at R&R Plan Cottage Insurance about the available additional coverage options.

In Ontario, when should I purchase seasonal property insurance?

Ideally, you should purchase your seasonal property insurance as soon as you buy your cottage home. Don’t risk waiting until closer to when you plan to use your property for the first time. What if a tree is struck down during a thunderstorm and lands on the roof of your cottage? Or if vandals discover your property is vacant and decide to break in? Purchasing insurance immediately will ensure your new seasonal home is protected from any unexpected events, including fire, personal liability, vandalism, theft, natural disasters and more.

Is seasonal property insurance mandatory in Ontario?

Mandatory cottage insurance depends on the laws of the province in which your seasonal home resides. As for Ontario, house, condo and tenant insurance are not required by law. However, one thing to keep in mind is that banks and lenders often require secondary property buyers to provide proof of insurance before advancing a mortgage. 

Although it may be true that you are not required by law to purchase cottage insurance in Ontario, having it is highly beneficial. It’s not uncommon for seasonal property owners to spend thousands of dollars on renovations or accessories to make their cottage home their little slice of paradise. After all, it’s more than just a temporary home. It’s often your home away from home, full of fond memories for the whole family. Don’t risk losing it all if an unavoidable disaster strikes.

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