Seasonal property
Whether it's a cottage, cabin, or the lakehouse — we've got it covered.
From the long weekend to year-round living, seasonal property comes with its own surprises, and your policy should be built for them.
Why it matters
Why is cottage insurance important?
Seasonal properties aren't just smaller homes. The risks are different — and so is the coverage you need.
A seasonal property left unoccupied for stretches of the year can face risks that a standard home policy isn't built to handle.
Detached structures like boathouses, sheds, and docks often need coverage of their own.
If someone is injured or their property is damaged while visiting your cottage, liability coverage can help protect you.
Built for the lake, the woods, and everything in between
From docks and boathouses to long winters away, cottage insurance is designed for the rhythms of seasonal living.
How to buy
Get covered in 3 easy steps
Three short steps between you and a cottage policy built around how you actually use the place.
Tell us about your property
Answer a few questions about how it's used, how often you're there, and what's on the land.
Customize your coverage
Adjust your coverage for the way you actually use your cottage, season after season.
Confirm and finalize online
Review everything, bind your policy online, and your proof of insurance is ready in your EverNorth account.
Save & earn
Save on coverage
Simple ways to lower what you pay without trimming the protection your cottage actually needs.
Bundle and save
Combine your cottage insurance with a home or auto policy and you may be eligible for a discount.
EverNorth Rewards
Loyal, long-term customers may be eligible for additional savings over time.
From the water's edge to the tree line
Cottage insurance protects the building, the detached structures, your belongings, your liability, and even occasional rental use.
What's covered
A policy built for cottage life
From the long weekend to year-round living, cottage life has its surprises. Your policy is built for them.
Dwelling Coverage
Helps cover the cost to repair or rebuild your cottage or cabin after a covered loss.
Detached Structures
Covers boathouses, sheds, docks, and other structures separate from the main building.
Personal Property
Covers your belongings at the property, from furniture to outdoor equipment.
Personal Liability
Helps protect you if you're found responsible for injury or property damage to a visitor or neighbouring property.
Short-Term Rental Coverage
Helps protect you if you occasionally rent out your cottage while you're not using it.
Make it yours
Beyond the building itself
Seasonal home coverage can also include these optional protections.
Cottage discounts
Explore cottage insurance discounts
Check out the savings you may qualify for. Eligibility varies by province and property type.
Combined Policy
Save when you bundle your cottage insurance with a home or auto policy.
Multi-Property
Insuring multiple properties with EverNorth may make you eligible for savings.
Year-Round Occupancy
Cottages occupied year-round rather than seasonally may qualify for different savings.
Monitored Alarm
Properties with a centrally monitored alarm system may qualify for a discount.
Claims-Free
Maintaining a clean claims history can help you save.
Coverage factors
What affects your coverage needs
A few things are worth thinking through when choosing your coverage.
How the property is used
Year-round living calls for different coverage than occasional weekend use.
Location
Distance to the nearest fire station and whether the area is prone to wildfire or flooding can shape what coverage makes sense.
Age and construction
Older or uniquely constructed properties may have different coverage considerations.
What's on the land
Detached structures, docks, and outbuildings each add to what's worth protecting.
Cottage FAQs
Answers before you even ask
The questions cottage owners ask most — answered in plain language.
Looking for other insurance?
Explore more coverage
Protect the rest of what matters with EverNorth.
Ready when you are
Protect your cottage in about three minutes
Answer a few questions, customize your coverage, and walk away with proof of insurance — all online, no sales calls.