Cottage or Seasonal Property
Cottage Insurance is similar to home insurance; however, because cottages are generally not lived in all the time, the coverages available are different.
Cottage Insurance provides protection for the following:
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Personal Property - Your personal belongings within the cottage such as furniture, appliances, electronics and clothes.
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Liability insurance for if someone gets injured on your property and you may be liable, or if you accidentally cause damage to other people's property.
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The Cottage/seasonal property itself - Most insurance companies will only cover specific types of perils such as fire and smoke damage; however, some insurance companies offer more comprehensive coverages.
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Depending on the insurance company, you might be able to add coverage for your boat, camper, or trailer without taking out a separate policy.
There are many options available, please contact Keystone Commercial for a free comprehensive consultation.