Cottage Insurance Services
Why Rozon Cottage Insurance
A cottage is a place to relax, unwind and spend time with family and friends. We’re cottage owners too and so we understand just how special your home away from home is. We get the special needs of cottage ownership and we understand the unique exposures associated with a cottage and seasonal properties.
The largest concern with cottage insurance is how often you will be at the property. Will you be there every weekend or just a couple of weeks in the summer? This answer to this matters in determining your coverage. How your cottage is finished is also a determining factor in establishing your rate. Whether it’s a three season or a year round property can also affect your rates. Renting your cottage has become more common in recent years. If you rent your property, you need to advise your insurance company as it increases the exposure. These are just a few of the questions we’ll ask if you contact us for quote.
Cottage insurance provides coverage for the building, its contents and the liability exposures that could affect the premises. The extent of coverage depends on how often you use your property. The more you’re at the cottage, the broader the coverage. The policy is designed to rebuild the damaged building with a new structure in the event of a total loss. In a partial loss the intent is to repair the damaged portion of the building with new materials. It is for this reason that we want to make sure you have the proper protection.
The cottage policy will provide limited coverage for smaller boats up to 25 horsepower. As the watercraft get larger and more expensive, you will either need to schedule the boat and motor on the policy or purchase a watercraft policy. Watercraft can come in many forms from fishing boats, to pontoon boats, to wakeboard boats just to name a few. When in doubt, ask questions. You’re looking to insure something very valuable so you want to make sure that no stone is left unturned. You want to be properly protected should something go wrong.
From the Blog
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