Seasonal Cottage Insurance

Cottage, cabin, or seasonal getaway — covered even when you're not there.

Seasonal and secondary properties carry unique risks: they sit vacant for long stretches, and many are in remote areas with limited fire protection. Standard home policies often don't fit, so we arrange coverage built for cottages and seasonal homes.

Whether it's a four-season chalet or a rustic lakeside cabin, we match the policy to how you use the property.

What's covered

Dwelling and detached structures like boathouses and bunkies
Contents coverage for furnishings left on-site
Liability for guests and visitors
Coverage options for extended vacancy periods
Add-ons for docks, watercraft, and overland water

Good to know

Frequently asked questions

Can I insure a cottage with no year-round road access?: Yes — several of our insurers specialize in remote and water-access properties. We'll match you to one that fits your location.
What about the months it sits empty?: Seasonal policies are designed around vacancy, but conditions vary. We'll set up coverage and explain any requirements like winterizing or monitored heat.
Is my dock or boathouse included?: Detached structures can be added to the policy. Tell us what's on the property and we'll make sure it's scheduled.

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Insurers we compare for seasonal cottage insurance

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Frequently asked questions

Can I insure a cottage with no year-round road access?

Yes — several of our insurers specialize in remote and water-access properties. We'll match you to one that fits your location.

What about the months it sits empty?

Seasonal policies are designed around vacancy, but conditions vary. We'll set up coverage and explain any requirements like winterizing or monitored heat.

Is my dock or boathouse included?

Detached structures can be added to the policy. Tell us what's on the property and we'll make sure it's scheduled.