Are You Covered for Your Cottage’s Unique Risks?
When our broker team reviews your needs, we ask a lot of questions in order to understand any detail that might affect your rates and options. When it comes to insuring seasonal property, there are some special considerations you should be aware of – ones that differ from insurance considerations we would have regarding your primary residence.
These considerations include:
- Ease of access by emergency services – Road types and maintenance, seasonable accessibility, water access only, etc.
- Vacancy periods – Length of time the dwelling(s) is unoccupied and vulnerable to burglary and/or vandalism.
- Exposure to weather extremes – Proximity to a major lake will expose dwellings to more intense weather patterns and temperature swings (pipe bursts, ice damage, etc.)
- Type of heating source – Sources such as wood stoves, oil, or propane can affect coverage costs.