Cottage Insurance | CMR Insurance

Do you enjoy your piece of paradise all year round, or seasonally?

There is a lot to consider when it comes to properly insuring your cottage or vacation property, and having adequate coverage is important for your peace of mind, especially if you can not be there year-round.

No matter how well built, cottages are vulnerable to fire, theft, water damage and other risks. We can discuss the different types of policies available to you which offer varying degrees of coverage. Depending on your unique situation, there are also optional coverages which you may need to purchase in order to ensure you are adequately protected.

At CMR, we want to make sure that you fully understand the vacation property insurance protection you are buying. Whether it be coverage for a seasonal or secondary property, we can help tailor an insurance solution that meets your specific needs.

Did you know?

The following variables can all impact on the type of insurance policy you need to be properly covered:

The structure of your cottage: is it log, masonry or frame construction?
How often you use your cottage?
Is your cottage located on an island or waterfront?
Do you have any detached structures on the property like a boat house or dock?
Do you rent out your cottage?

Because many vacation properties are only used for part of the year or because they are located away from urban areas, they could be at higher risk for break-ins and vandalism.

Your cottage insurance policy also includes liability coverage which can protect you in the event that you are found legally responsible for unintentionally causing bodily injury or property damage to someone else.