️ Vacation Property & Cottage Insurance in Ontario, Canada

Protect Your Home Away From Home

A vacation property or cottage is a place for family, relaxation, and memories — but it also comes with risks. At Solutions Insurance Group, we provide customized vacation property and cottage insurance so your getaway stays worry-free.

🔎 What Is Vacation Property & Cottage Insurance?

Vacation property insurance protects cottages, cabins, and seasonal homes that aren’t your primary residence. Since these homes are often vacant for long periods, they face unique risks that require special coverage.

Coverage may include:

• 🏠 Protection for the building and attached structures (decks, docks, boathouses)
• 🛋️ Contents coverage for furniture, appliances, and personal items stored at the cottage
• ⚖️ Liability coverage if someone is injured on your property
• 🔒 Protection against fire, theft, vandalism, storm damage, and more

📝 Is Cottage Insurance Mandatory in Ontario?

• By law: Cottage or vacation property insurance is not legally required.
• By lenders: If you have a mortgage on your cottage, your lender will require insurance.
• By choice: Even without a mortgage, it’s highly recommended — seasonal homes are at greater risk due to less frequent occupancy.
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🌟 Types of Vacation Property Coverage

There are two main kinds of cottage insurance in Ontario:

1. Seasonal/Secondary Property Coverage
   • Designed for cottages or cabins used part of the year
   • Covers common risks like fire, theft, and liability
   • May have restrictions if property is unoccupied for long stretches
2. Comprehensive Coverage
   • Broader protection, similar to a full home insurance policy
   • Covers a wider range of risks, including accidental damage

🌟 Optional Cottage Coverages

Add extra protection tailored to your property:

• Sewer Backup Coverage
• Overland Flood Coverage
• Boathouse & Dock Coverage
• Outbuilding Coverage (sheds, bunkies, garages)
• Watercraft Coverage (small boats kept at your cottage)
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🛡️ Why Use a Broker for Cottage Insurance?

Cottage insurance can be tricky — coverage depends on how often you use the property and where it’s located. Our brokers help you:

• ✅ Find the right policy for seasonal or year-round use
• ✅ Compare rates from Ontario’s top insurers
• ✅ Avoid gaps in coverage unique to vacation homes.
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