If you have a cottage, you may want to insure it separately… or you may wish to have it insured on the same policy as your home insurance.
Coverage for seasonals has improved dramatically in the last few years. Owners of newer or renovated seasonals that are occupied year-round and are close to water mains or fire hydrants, police and firefighting services can often purchase coverage that is very similar to Home Insurance.
This coverage often includes replacement cost coverage on the building and personal property, damage caused by bears and some companies are providing limited sewer backup coverage. Give us a call for more information.