event_availableUpdated
Seasonal and remote properties, wood stoves, water access and rentals.
Cottages are priced differently from city homes. Insurers look at how often the property is empty, heating sources such as wood stoves, how far it is from a fire hall and hydrant, road access, and water risks.
Seasonal properties have stricter vacancy and maintenance rules, such as draining water lines over winter. Renting the cottage, docks, boathouses and boats all need to be declared and covered.
Or call +1 877 610 6554 · Monday to Friday, 9 a.m. to 6 p.m. ET
Who it’s for
Coverage
Building and contents coverage designed for part-time use.
Detached structures on the property.
Coverage when you rent the cottage to others.
Guests, docks and waterfront activities.
Before you buy
A rural property specialist knows which insurers write seasonal and remote properties, how wood stoves, water access and distance from a fire hall affect the price, and how to cover rentals, boats and docks.
check_circle
Learn before you buy
Instasure's model puts typical home insurance at about $92 to $154 a month across the provinces for one example house, as of October 2026. Here's the full province and city table, why Alberta tops it, and the changes that lower your own premium.
Read guide arrow_forwardA standard Canadian home policy usually covers sudden, accidental water damage, but sewer backup, overland flooding and groundwater need optional coverage or are excluded. Here's how each type of water claim works.
Read guide arrow_forwardOne Calgary hailstorm can damage your car and your roof in minutes. Here's how comprehensive auto coverage and home insurance handle hail, what deductibles and roof terms to check, and how to file a claim.
Read guide arrow_forwardWe use first-party analytics cookies to understand which guides help Canadians most. No ads, no selling data. Privacy
