Home insurance for secondary residence (cottage) owners

It covers your cottage, its contents and your other structures (such as a shed) in the event of damage caused by such things as fire, wind (including tornadoes), lightning and certain types of water damage (e.g. leak from a household appliance or plumbing fixture).

It covers:

• your cottage and its contents in the event of damage caused by such things as fire, theft, vandalism, wind and certain types of water damage (e.g. dishwasher leak due to a pipe burst)
• your civil liability for damage you could cause to other persons. For example, if your letter carrier accidentally fell on your icy driveway and got hurt, you would be covered.
• damage associated with an earthquake, caused by smoke, fire or an explosion.

Coverage is also included for certain specific items:

• Your bikes, CDs, DVDs and video games are automatically covered without limitation, regardless of their value.
• You can get a good amount of free coverage for your wines and spirits, or opt for unlimited protection, if you have a valuable wine cellar.
• You can adjust the coverage amounts for certain items, such as jewellery or works of art, based on their value.

For a little over $1 a week, get access to financial support that allows you to be represented by a lawyer should you need one (e.g. latent defects, drawing up a will or protection mandate, family mediation sessions exceeding those assumed by the government).

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Avoid premium increases resulting from one or even two home insurance claims.

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