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Muskoka chairs in cottage country

The 411: Insurance Coverage for Your Cottage

Ahh, cottage season. There’s nothing quite as refreshing as a quick getaway to your seasonal home-away-from-home. Before you start packing, make sure your cottage is fully protected. Just like your primary residence, it needs to be insured, too. Here’s what to know about insuring your seasonal or vacation property, so you can enjoy your getaway, worry-free.

What does cottage insurance cover?

A typical policy will cover many of the same situations that could occur to your home. These include damages caused by water, fire and smoke. But since you’re not there all the time, most insurance policies only cover certain risks, so be sure to speak with your insurance provider. Often, options exist to add extra coverage to your plan. Depending on how much time you spend there, it may make sense to extend your plan.

Does CAA Home Insurance* cover cottages?

When you insure your primary residence with CAA, we can also provide coverage for your seasonal property and the liability associated with it. There are packages available to meet all of your needs, whether you visit the cottage only for a few months during the year or enjoy your retreat year-round. What’s included in CAA Home Insurance coverage for cottages? Beyond damages that could be incurred by water, fire and smoke, CAA Home Insurance offers options that include:

  • Damage caused by bears
  • Coverage for when the cottage is rented to others
  • Special limits on watercraft (excluding jet skis and jet-propelled boats) up to $5,000
  • Up to $2,000,000 liability coverage
How does CAA Home Insurance provide peace of mind for cottage owners?

Simple, CAA Home Insurance offers cottage-owners its Deluxe Seasonal Package. It includes extensive coverage and guaranteed replacement costs on the building itself and on personal property. It also automatically includes coverage in the event of burglary, theft and vandalism.

How do I get CAA Home Insurance for my cottage?

Getting your seasonal or vacation home insured is easy with CAA Home Insurance. Plus, CAA Members always save 5%** on auto insurance and up to 12.5% on home insurance when they bundle CAA Auto and Home Insurance. Speak with a local CAA Insurance Agent about your insurance needs by visiting a CAA Store or calling 1-877-222-1717.


*Property Insurance is underwritten by CAA Insurance Company. To qualify for the discount you must be a current CAA Member in good standing (CAA Membership dues paid in full by Membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on Membership tenure and Roadside Assistance usage. Subject to certain conditions and approvals. Underwriting eligibility rules apply.