Cottage and secondary residence
As a place of rest or family gatherings, a cottage or a secondary residence is often a refuge and a return to nature. If you’re the happy owner of a cottage in the woods or next to one of the many lakes in Québec, avoid having an unfortunate incident turn your corner of paradise into a bad dream. With the right insurance, you’ll have peace of mind.
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Recommended coverage for your cottage or secondary residence
Cottage or secondary residence insurance
Cottage or secondary residence insurance covers your home, its contents (your personal property) and permanent fixtures (garage, locker, etc.) against fire, wind storm or theft (depending on the formula chosen), even during your absence.
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Civil liability insurance
Civil liability coverage is always attached to the address of your principal residence, but it also covers bodily injury or property damage caused to others unintentionally on your secondary property. It also covers the costs of possible legal proceedings.
In the event of legal action or financial damages required because the roof of your cottage flies off and destroys the garage of the cottage next door or your porch collapses and someone gets injured, you’ll be covered by your civil liability insurance.
Contacter un expertYour secondary residence requires specific insurance, and several factors influence the premium and the appropriate insurance coverage:
- Seasonal or secondary residence
- Type of heating
- Type of access
- Materials, etc.
We recommend that you speak directly with one of our insurance brokers to figure out your specific situation and the best insurance products for you. This will ensure we can to provide you with the most appropriate insurance solutions.
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