Mainway Hunter Creighton Insurance Inc.
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Address: 154 Main Street East, Suite 202 Hamilton, ON L8N 1G9 Phone: 905-667-4725 Fax: 905-577-1023 Website: www.mhcinsurance.ca Email: info@mhcinsurance.ca |
Your cottage is like your home. It's a mix of all those things you're intrigued by,
comforted by and in love with, things that you couldn't imagine living without. It may have been in your
family for generations or a new property you recently built yourself. Your cottage is also likely one of your
most valuable personal assets. Because of this, it's absolutely critical that it is properly insured not only
in terms of the right amount of insurance but also the proper coverages.
Generally, your cottage is insured on the same policy as your principal residence. However, most cottage policies contain a limited amount of coverage, particularly when compared to your home. In fact, insurance companies offer a wide variety of cottage policies - some with bare bones coverages and others almost identical to an all-risk form made for a principal residence. If you haven't reviewed your cottage policy recently, you should do so immediately to ensure you have the proper coverages in place.
Some of the more important coverages to consider for your cottage policy include:
- Personal Property
- Replacement Cost
- Burglary or Robbery
- Vandalism or Malicious Acts
- Outbuildings
There are many other items such as outdoor plants, trees and shrubs, fences and gardening equipment where coverage is either entirely excluded or very limited. Of course, we can also provide coverage for all of your other cottage needs including sailboats, motorboats, ATVs, snowmobiles and personal watercraft.
If you would like us to review your cottage insurance policies or provide you with a free, no obligation quotation, please visit our website or call our office at (905) 521-3000 or 1-800-263-5173.
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