Cottages or what we call second home should also be protected as we would protect our primary residence. Some insurance policies will provide coverage to cottages or seasonal homes as an extension of primary home insurance package listed as “Secondary” or “Seasonal” property. However, there are insurance companies that provide coverage to your vacation property only if you insure your primary residence as well. Cottage insurance is a “Named Perils” policy meaning you only have insurance coverage for specific risks,…

It’s still winter but time is blazing, little do we know its summer again. Time to escape the toxic city lifestyle and get out to the country for some rest! As with any home, more often than not, cottage insurance is what families take for granted and assume that everything is covered. Costs of cottage insurance can vary greatly depending on the property, the location, if it’s rented out, replacement value, prior claims, and fire protection and heating types. Cottages…

Dealing With Client Inquiries If you decide not to hire out the property management to a company (more on this option later), expect to have to deal with the booking issues yourself. You will need to invest in a good integrated scheduler that allows you to track the weeks that the cottage is rented, whether the visitors have sent in their deposits, how long they have before they forfeit the booked period (if they don’t send in the deposit), when…

At some point when you realize that your cottage sits empty for all but a few weekends, the idea of renting it out may occur to you. Perhaps you have seen the statistics relating to the demand for rental cottages, or perhaps you purchased your cottage for the future, when you are ready to retire and in the meantime you are not getting as much use out of it as you might. Buying a cottage and property for the sole…

Actually, it’s a good idea to review all of your insurance policies on an annual basis to make sure that you’ve covered everything you need to cover and also that you’re not paying for coverage you no longer need, and cottage insurance is no different. Here is everything you need to know about buying insurance for your cottage. Cottage Insurance Buying insurance for your cottage is very similar to buying insurance for your home. In fact, cottage or seasonal properties…

Cottage insurance is like home insurance.  Homeowners insurance has comprehensive coverage and will cover all risk except for exclusions to your policy. A year round winterized cottage can be insured as a Secondary Homeowners. Seasonal cottages are often written on a Named Peril or Broadform Policy.   The most common Named Perils include, Fire, Theft, Lightning, Explosion, Hail or Windstorm, Vehicle Damage. The most common reason for loss or damage at the cottage are wind storms. If there are lots of trees on your property, you…

Summer is here. Once more for effect: SUMMER. IS. HERE. That’s right, time to shake away the winter blues and the April showers and gear up for a summer of fun! OR IS IT? The truth is that summer can be scary and dangerous. Don’t believe me? Try going outside without any sunscreen; the wicked burn on my nose can attest to the dangers of the sun’s rays. And the sun isn’t the only enemy, there are plenty of bees…

It’s cottage season, which means 2 things. First, You need cottage insurance, and second, you need to be extra safe when driving north. Check out this video from Bryan for some quick tips. image:

Do you own a Boat? Is your boat insured? Well look no further. Not only will we insure your boat, but we will send Bryan along to make sure everything is running smooth, just don’t forget the ham sandwiches. Give us a shout and get insured by the best brokerage around (at least we think so).

Do you own a cottage? If so, do you have the proper insurance coverage that goes along with it? Because we typically don’t maintain permanent residence at our cottages, it’s important to protect our investment while being away. Click the link below for you list of helpful tips to open up the cottage.