Cottage Insurance

A cottage is the ultimate retreat, a true home away from home. Ensuring you get the right coverage to protect it is so important, and CP Insurance is here to help.

A Personalized Approach

Whether you’re a resident of Carleton Place or have a cottage property nearby, we are happy to work with clients who require tailored cottage insurance solutions. Rarely are two of these properties the exact same, which is why we take the time to sit down with you and identify all the relevant information regarding your cottage and the coverage it needs. How often it gets used and whether it is a seasonal or rental property are some of the most important factors. These details will be taken into account so that our team can find the best-customized insurance policy for you.

Covering All Bases

At CP Insurance, we understand that comprehensive coverage provides our clients with the highest level of reassurance. Therefore, our assessment goes beyond just the property structure or basic inquiries when determining the best coverage for you. Your broker will consider factors like the presence of an ATV or boat on the premises, the state of the cottage’s interior furnishings, and any additional structures such as a shed, boat house, or bunkie.

Given that your cottage may not be your primary residence, it’s even more significant to consider all angles regarding your insurance coverage. Working with our team ensures you can revel in your time at the cottage, free from worries, knowing that you are fully protected.

The Best Rates and Terms

Members of our team are also proud cottage owners, so we understand that finding the best rates and shopping multiple insurance companies can be time-consuming and difficult. Once we know your specific property’s needs, we get to find the best options for you, saving you the energy and hassle of doing it independently.

Whether you just bought a new cottage or want to see if you can update your current cottage insurance in Carleton Place, we invite you to get in touch with us. With years of experience under our belts, we can offer our professional advice and expertise.

Frequently Asked Questions

With years of experience in the insurance industry, our team at CP Insurance has helped countless clients with their cottage insurance needs, and we have the expertise to provide you with reliable guidance and tailored solutions.

Cottage insurance, also known as vacation or secondary home insurance, protects your cottage or vacation property from damage or loss due to unexpected events like fire, theft, vandalism, or natural disasters.

Cottage insurance is specifically designed to protect vacation properties or secondary homes, while home insurance is designed to protect primary residences. Cottage insurance may include additional coverage options, such as watercraft coverage, while home insurance may include coverage options specific to primary residences, such as coverage for a home office.

While cottage insurance is not mandatory in most regions, protecting your investment and financial stability is highly recommended. Your cottage or vacation property is likely a significant investment, and it’s essential to have insurance coverage to protect it from unexpected events that could cause damage or loss.

Additionally, if you have a mortgage on your cottage, your lender may require you to have insurance before providing you with a loan. This is because the lender wants to ensure that their investment is protected and that they can recover their losses in the event of damage or loss to the property.

Without insurance, you would be responsible for covering the costs of repairs or replacement of your cottage or personal belongings within it, which can be a significant financial burden. Insurance can provide peace of mind and financial protection, allowing you to enjoy your cottage without worrying about the potential financial consequences of unexpected events.

Yes, you can get insurance for a seasonal cottage that you only use in the summer. Seasonal cottage insurance policies are designed specifically for properties only used during certain times of the year and may offer more flexible coverage options.

In Ontario, cottage insurance policies typically cover various risks that can affect your property and belongings. These risks include damage or loss due to events like fire, theft, vandalism, windstorm, and water damage from burst pipes or heavy rainfall.

Here are some of the specific coverages that you can typically expect from a cottage insurance policy in Ontario:

  • Dwelling coverage: This provides coverage for damage to the physical structure of your cottage, including the foundation, roof, walls, and other attached structures.
  • Contents coverage: This provides coverage for your personal belongings within the cottage, including furniture, appliances, electronics, and other items that you keep there.
  • Liability coverage: This provides coverage if someone is injured on your property and sues you for damages. This can help cover the costs of legal fees and compensation for any injuries or damages that you are found responsible for.
    Additional living expenses coverage: This provides coverage for the additional expenses you may incur if you are unable to use your cottage due to damage or loss. This can include temporary lodging and food expenses while repairs are being made.
  • Watercraft coverage: This covers boats, jet skis, and other watercraft you own and use at your cottage.

At CP Insurance, we’ll take the time to walk you through the specific details and coverage options available. We make understanding the terms and conditions clear, so you can rest assured your policy is relevant to your needs.


Yes, you can get cottage insurance even if your property is in a remote area. However, the coverage and cost of your insurance policy may be impacted by the location and accessibility of your cottage.

  • Cottage insurance providers typically assess the risk associated with insuring a property based on a variety of factors, including the property’s location and its proximity to emergency services like fire departments and hospitals. In some cases, a remote location may increase the risk of damage or loss due to factors like limited access, harsh weather conditions, or increased risk of theft or vandalism.
    • As a result, insurance providers may charge higher premiums or have different coverage options for properties in remote areas. For example, they may require additional coverage for water supply or sewage systems if the property is not connected to municipal services.

If you have a cottage in a remote area, it’s important to talk to our team so that we can find a provider that has experience insuring properties in similar locations. Additionally, taking steps to mitigate risks, such as installing security systems, maintaining the property, and having a reliable water and power source, can also help you lower your insurance premiums and ensure that your property is adequately protected.

If you own a cottage and are considering renting it out to others, it’s important to check with our team so that we can ensure that your policy covers rental activities. Some insurance policies may allow you to rent out your cottage, while others may not or may have specific requirements or restrictions.

  1. It’s important to disclose any plans to rent out your cottage upfront. This will allow us to find providers who accept this type of property and assess the risks associated with rental activities and provide you with the appropriate coverage options.
  2. If your policy does not include coverage for rental activities, you may need to purchase additional coverage, such as a rental dwelling endorsement. This can help protect you against liability claims or damage caused by renters, including damage to the property or injuries sustained by renters while on your property.
  3. Additionally, you may be required to take certain precautions or meet specific requirements in order to be covered while renting out your property. For example, installing safety features like smoke detectors or fire extinguishers or having a contract in place with renters that outlines their responsibilities and liabilities.

If you need to make a claim on your cottage insurance policy, CP Insurance will ensure that your claim is processed smoothly and efficiently. Here are the steps you should take:

  1. Contact CP Insurance: As soon as you become aware of a loss or damage to your property, contacting our office is the first step. We’ll ask you to provide us with all the necessary details related to the claim. This typically includes the date and time of the incident, a description of the damage, and any other relevant information.
  2. Document the damage: Take photos or videos of the damage to your property and any affected personal belongings. This will help provide evidence for your claim.
  3. Take steps to prevent further damage: If possible, take steps to prevent further damage to your property or personal belongings. For example, if your roof has been damaged, cover it with a tarp to prevent water from entering the property.
  4. Follow the instructions: Your broker will guide you through the claims process and provide instructions on what to do next. Ensure that you follow instructions and provide any additional information or documentation required. If you have questions or concerns about a specific detail or process, don’t hesitate to let us know. We’re here to help and want you to be as informed as possible when it comes to filing a claim.
  5. Keep track of expenses: Keep a record of any expenses related to the claim, such as temporary lodging or food expenses. This will help you when filing your claim and can help ensure that you are fully compensated for your losses.
  6. Be patient: The claims process can take time, so be patient, and we’ll ensure to provide you with timely updates on the status of your claim.

Other Insurance Services

Whether you’re searching for car insurance in Carleton Place or additional policies for your home or business, CP Insurance can help. Our team provides knowledge and expertise in various types of insurance, ensuring you’re covered in all areas.

Home Insurance

Securing your most valuable asset is of utmost importance. At CP Insurance, we offer comprehensive home insurance policies that go beyond mere protection. Our policies provide complete assurance, covering not only the dwelling itself but also personal property and additional living expenses. With our expert team of insurance brokers, we ensure homeowners can find a policy that suits them best.

Business Insurance

Business insurance is essential for any business to protect against potential financial losses from unexpected events, such as property damage, liability claims, and theft. It can safeguard a company’s assets and help it to recover from unforeseen events, minimizing risks and protecting its bottom line. CP Insurance offers a range of business insurance policies tailored to meet the unique needs of different businesses in various industries.

Auto Insurance

CP Insurance offers comprehensive car insurance policies that provide protection against a wide range of risks. We offer standard insurance options and additional coverage to ensure that our clients have the protection they need in any given situation. Our brokers are committed to providing affordable and reliable car insurance coverage to all clients, giving them peace of mind on the road.

Cottage Insurance

As a home away from home, you want to safeguard your cottage in the best way possible. Cottage insurance is vital for protecting your property and can include customized coverage options depending on where your cottage is located and when and how often it is used. We can find comprehensive policies that have coverage for various structures and personal belongings, such as boats, ATVs, and furniture.

Farm Insurance

Comprehensive farm insurance is vital in preserving the substantial investments farmers make in their operations. At CP Insurance, we understand the importance of protecting your farm. Our policies offer extensive coverage for buildings, machinery, livestock, and crops. With our tailored approach, we customize each policy to suit the specific needs of your farm operation, providing robust financial protection. Trust CP Insurance to help safeguard your farm’s future.

Boat Insurance

Boat insurance is vital for protecting your vessel from unexpected risks and ensuring peace of mind on the water. With our sister company Portside Marine Insurance, finding the right policy becomes effortless. Their expertise and tailored approach empower you to secure comprehensive coverage while safeguarding your boat and passengers so that you can navigate waterways with confidence.

No matter what life throws your way, you will be safeguarded with an insurance policy that you can count on.

Contact us at CP Insurance today to discuss how we can help you get the coverage you need to protect your greatest investments.