Protect your vacation home with Seasonal Home Insurance.
Our comprehensive insurance policies are designed to protect your cabin, cottage, or vacation home from unexpected events. We offer coverage to fit your needs and budget.
Click on one of the below topics to unpack your Seasonal Property Insurance:
This protection safeguards the physical structure of your cabin, including walls, roof, and foundation, against perils like fire, windstorms, vandalism, and theft.
Unless otherwise shown on the cover page, the settlement basis is the Actual Cash Value for loss or damage to mobile homes or their outbuildings. When determining the value of your home, don’t forget to consider the cost of debris removal services.
Your personal belongings inside the cabin, such as furniture, appliances, and electronics, are covered under this provision. In case of a covered loss, this coverage helps you replace or repair damaged or stolen items.
If the building is damaged by fire, it could all be gone instantly. The dilemma arises when your adjuster asks you to provide a list of lost or damaged items when filing a claim. Do what you can to keep a record of your belongings by taking a picture of your closet or a video of you walking through each room.
Personal Valuables/Increased Limits Coverage enables you to increase the insurance amount for a specific high-value item that would otherwise surpass the limit provided in your base policy:
– Fine Jewellery
– High-value watches
– Wine and Spirits
– Works of Art
– Bicycles
To be liable means simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. Accidents can happen, even in the calmest of environments. Liability coverage protects you financially if someone is injured on your property and holds you responsible for their medical expenses or legal fees.
Depending on where your seasonal is located, you may have one or more volunteer fire departments responding in the event of a fire. If this is the case, you may be surprised by a hefty bill when it’s all over. With Voluntary Fire Fighting coverage, this expense would be covered by your policy up to the limit stated on your policy documents.
Contact your RM to find out the going cost for your area if the fire department were to respond.
Life insurance provides a crucial safety net, ensuring your family can maintain their financial stability and cover expenses like mortgage payments, outstanding debts, and future education costs even in your absence.
Get a free quote today and discover how our Life Insurance solutions can provide complete peace of mind for your family.
Click Here for a Free Quote ←
Key Benefits of Seasonal Property Insurance:
- Fire and Smoke Damage: Protects against losses from fire, smoke, and related perils.
- Wind and Hail Damage: Covers damage to your property from high winds, hailstorms, and other severe weather.
- Water Damage: Protects against losses from burst pipes and other water-related incidents (additional coverage may be required for specific perils such as flood).
- Liability Coverage: Protects you financially if someone is injured on your property or if you cause unintentional damage to someone else’s property.
Find a WETT Inspector for your Wood-Burning Stove.
If your cottage has a wood-burning stove, it’s important to ensure that it is Wood Energy Technology Transfer (WETT) certified.
Wood stoves used as the primary heating source can significantly impact insurance applications, as many insurers will only accept the property if you can provide the WETT certification.
https://www.wettinc.ca/
The recent devastating wildfires are a stark reminder of the importance of wildfire protection. Our policies may include coverage for losses due to wildfires, depending on the specific coverage options selected. We encourage proactive measures to mitigate wildfire risk, such as:
- Creating defensible space: Clearing vegetation around your property to slow the spread of fire.
- Regularly maintaining your property: Keep grass and brush trimmed, and remove any debris that could act as fuel.
- Installing fire-resistant materials: Consider using fire-resistant roofing and siding materials.
Do you have a question about property insurance?
