Owning a seasonal property or cottage comes with great memories and fun experiences - it’s your home away from home whether its somewhere you stay during the colder months to hit the slopes or visit during the summertime to relax in the sun. A second property is an emotional and financial investment that you’ve made into your seasonal oasis and with that comes the responsibility of insuring it to guarantee it remains your place of joy for years to come.

 

When it comes to protecting your seasonal property, making sure it’s insured with the best possible coverage for your needs is imperative. Unlike your primary residence, which is constantly cared for, seasonal properties are often left unattended for extended periods of time. Due to this, the property has increased risks that include burglary, vandalism, or damage. Cottages and second homes are at times also located in areas that are more susceptible to natural disasters such as floods, wildfires, or storms which makes insurance coverage essential.

The joy of owning a cottage in today’s world also includes the flexibility of being able to share your special retreat with others utilizing platforms such as Airbnb and VRBO. Luckily, insurance overage options include flexibility and protection if you choose to rent out your cottage or seasonal home for a portion of the year. It can also offer liability coverage which protects you in the event that someone is injured on your property, and you are found legally responsible. Policies can be customized to your requirements and needs to cover additional risks relevant to your property’s location.

 Benefits of having seasonal property insurance include:

  •  Peace of mind – Knowing your property is protected when you’re not there allows you to enjoy the time you do spend there, without the added worry of what could happen while you’re away.
  • Protection – Should the unexpected occur, insurance helps safeguard against significant repairs, replacements, or legal liabilities that would normally come out of pocket.
  • Customized Coverage – The flexibility to tailor your policy to fit your needs ensures you’re not paying for unnecessary coverage or lacking in protections that are essential.

Aside from insurance, there are steps you can take to reduce any risks to your seasonal property:

  • Regular maintenance – Periodic check-ins on your property can help to identify and fix potential issues before they lead to any damage.
  • Security Measures – Equipping your property with security measures such as alarm systems or motion detectors can help to deter vandalism and theft.

Your seasonal property is more than an asset, it’s a special retreat from the everyday hustle and bustle. Whether it’s a cozy cabin in the Muskoka’s, a lakeside cottage in Grand Bend, or serene stationary trailer in the Prince Edward County, it’s your place of joy and relaxation. Ensuring it is protected with the right insurance coverage means you can continue to create lasting memories for years to come, free from worry.  Sutherland Insurance offers specialized insurance coverage designed to protect your seasonal oasis. Contact one of our knowledgeable team members today to discuss all your options and ensure you get the coverage you need.

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