Home insurance for secondary residence (cottage) owners
Advantages of insuring your cottage with La Capitale
Save an average of $425 by bundling your home, auto or leisure vehicle insurance.1
Pay a single deductible when a loss affects two or more insured items.
What does home insurance for cottage owners cover?
Which optional coverages are available?
2 coverage levels available to meet your needs
Seasonal cottage coverage, for those whose cottage is not occupied year-round.
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).
Year-round occupied cottage coverage, which enables you to have your cottage covered as your primary residence.
- 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.
Legal Access insurance
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).
Claim forgiveness coverage
Avoid premium increases resulting from one or even two home insurance claims.