Why do I need Cottage and Seasonal Home insurance in Ontario?

Many people in Ontario own cottages or seasonal homes. These homes are often left empty more than they are occupied and require different insurance than a regular home. While the insurance coverages are similar, cottage or seasonal insurance often has less coverages than a regular homeowner's policy. It is important to discuss the coverage options available for a seasonal property to ensure the most protection available. Some of the coverage options and policy forms may not even be available for seasonal locations. 

*Disclaimer: Subject to specific policy and exclusions. Talk to your broker.