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Whether it’s a cabin by the lake or a cottage in the woods, your seasonal home deserves protection.
At Collings Insurance Brokers, we provide tailored coverage for cottages, cabins, and second homes, designed with the unique risks of seasonal properties in mind. With local insight and independent expertise, we’ll help you safeguard your getaway—so you can focus on enjoying your time in nature.
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How Cottage insurance can protect you.
Cottage insurance is designed to protect your seasonal home against specific risks—like fire, theft, or storm damage—so you can relax knowing your getaway is covered.
Depending on the type of cottage or seasonal home, its location (road or water access), and how often it’s occupied, we’ll tailor a policy to safeguard your property year-round. Coverage is designed to address the unique risks of your environment, with options for additional protection such as flood insurance.
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Coverage for what’s important to you
Cottage Insurance typically covers named perils including:
- Fire and smoke damage
- Theft and vandalism
- Storm damage (wind, hail, lightning)
- Falling objects (like trees or branches)
- Water damage from burst pipes (in seasonally occupied cottages)
- Liability if someone is injured on your property
- Additional coverage is available for frozen pipes, pest control or sewer backup
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Covers the physical structure of your cottage—such as the walls, roof, and foundation—against covered risks like fire, storm damage, or vandalism.
Covers legal costs, settlements, and medical expenses if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Covers your belongings—like furniture, clothing, and electronics—if they’re stolen, damaged, or destroyed by a covered loss.
Frequently Asked Questions
Standard cottage policies usually exclude short-term rentals. If you plan to rent out your property, you’ll need to add specific coverage to protect against rental-related risks.
Cottages are often more vulnerable due to seasonal use, remote locations, and limited access. Cottage insurance is designed with these risks in mind and can be tailored with additional protections like flood coverage or septic backup.
Yes — cottages with water-only access often face higher risks, such as delayed emergency response times, increased exposure to weather, and added challenges for repairs or maintenance. Insurance providers take these factors into account when tailoring coverage, which may affect both the policy features and the premium.
Yes. Insurers often ask for a recent WETT inspection for solid-fuel appliances and may set conditions on clearances, chimney cleaning, and burn practices. Portable space heaters are typically excluded as a primary heat source. Meeting these requirements helps you stay eligible for coverage and claims.