Cottage Insurance in Ontario
Year-round insurance coverage for your seasonal home
Enhanced coverage for your seasonal home with add-ons for even more protection
Our seasonal home insurance policy provides much of the same coverage as our standard home insurance policies so that you get comprehensive coverage for your cottage.
What’s covered
Buildings
The cottage and other structures on your property such as owned docks and boathouses.
Contents
Belongings such as clothes, furniture, and appliances.
Additional Living Expenses
Additional expenses for temporary accommodations if you need to leave your home after a covered claim, or if you are under a mandatory evacuation order.
Premises Liability
Legal costs if you’re sued for accidentally injuring someone physically or damaging their property within your premises.
Optional add-ons for enhanced cottage insurance coverage in Ontario
We have optional coverages, also known as endorsements, that you can add to a cottage insurance policy for more protection.
Water coverage
Enhanced coverage to protect you against loss or damage caused by water.
Claim-free discount protector
Protects your claim-free discount after your first covered claim.
Disappearing deductible
Your policy deductible decreases by 20% each year you are claim-free until it is zero.
Course of construction
Worry-free coverage whether you’re building a new cottage or making major renovations to your current one.
Extra protection for your home away from home with our VIP Endorsement
Our VIP Endorsement offers you more coverage and higher coverage amounts for your cottage.
Home insurance in Ontario
Make sure your most valued asset has the protection it needs.
Cottage insurance in Ontario
With Gore Mutual, you get:
Protection for what matters most
Enhanced cottage insurance coverage with add-ons for more protection.
Exceptional claims service
Dedicated and knowledgeable ClaimCare™ Advisors to help you through a claim.
Ways to save
Additional savings if you bundle your car and home insurance, or if you insure more than one property with us.
For our broker partners
Get to know more about our seasonal homeowners offering
This product brochure has been developed for and is for exclusive use by licensed insurance brokers with a Gore Mutual Insurance Company distribution agreement. Interested customers should contact their insurance broker for further product information.
The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions. Please contact your insurance broker for complete details or if you would like to learn more.
ClaimCare™ is a trademark of Gore Mutual Insurance Company.