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Seasonal Insurance

Seasonal properties range in look, feel, and location – from a cottage on the water to a trailer permanently parked on site to a seasonal home that’s designed for family getaways – which means your seasonal insurance is custom to you. Our advisors will help you receive the best policy for the most affordable price so you can enjoy your vacation, wherever you are.

When deciding on the right insurance policy for your seasonal space, there are a few things to consider:

Coverage options include:

  • Specified perils or broad form coverage.
  • Comprehensive insurance may also be available by some carriers.
  • Personal belongings – this includes permanent property that remains inside the cottage at all times.
  • Detached structures: Insuring your sheds, garages, boathouses, guest homes, and other additional buildings that are located at your seasonal property.
  • Third-party liability: Preparing for any legal responsibilities that would arise if someone hurt themselves on your property (or if you caused damage to neighbouring properties).

Registered Insurance Brokers of Ontario (RIBO) Update:

The Canadian Insurance Services Regulatory Organizations (CISRO) has published the Principles of Conduct for Insurance Intermediaries (Principles Document) to help ensure the fair treatment of customers in the life & health and property & casualty insurance sectors. The Principles Document outlines minimum regulatory conduct standards and common regulator expectations for all insurance intermediaries regarding the fair treatment of customers. Please contact your broker directly should you have any questions or concerns.

DOCUMENT (PDF) – RIBO Conduct Fact Sheet 2022

DOCUMENT (PDF) – CISRO Principles of Conduct

DOCUMENT (PDF) – RIBO Disclosure

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