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Atlantic Canada is one big, beautiful paradise right on the east coast. It’s no wonder that it’s become a vacation hotspot for tourists and locals looking to escape the hustle and bustle of major cities on weekends and summers. For savvy Canadians investing in real estate, this means acquiring a seasonal home, cottage, or even setting up camp — a home away from home in some of the most coveted and refreshing natural landscapes in Canada.

Unlike your permanent residence, you may not always be at your summer cottage. Maybe you head to there for the summer or can only drive up every weekend when it’s cottage season or during extended holidays. Still, the property is often left unattended during the workweek, or for long stretches between the freezing winter and the first sign of spring. So how do you secure your real estate investment and preserve the home-away-from-home feeling in between cottage trips?

What Is Seasonal Home Insurance?

Just like a standard homeowner’s policy, seasonal home insurance protects your cabin in the woods, lakehouse, or summer cottage — especially when you’re not there for extended periods. Seasonal home insurance helps secure your investment property from losses and damages due to natural events and accidents.

This comprehensive protection plan equips you with financial cover to repair or replace damaged property, as well as recover from liability claims. It’s an investment in every vacation and weekend trip to preserve that “home-away-from-home” feeling you love. Keep in mind that additional coverage or  rental property insurance may be required if you host your property on Airbnb or earn rental income in other ways.

Seasonal Home Coverage

  • Dwelling and other structures: this covers the material and labour costs of repairing or rebuilding your seasonal home and outdoor structures. This is for things such as sheds, garages, decks, tubs, and others after insured losses like fire, property crimes such as theft and vandalism, and other common perils.
  • Personal property: coverage for everything inside that makes it a nice vacation home or cozy cottage, including furniture, appliances, electronics, and other personal effects.
  • Liability: if a guest or any third party is injured on your property or suffers other damages and losses, your seasonal home insurance will cover legal fees and settlements.

Ask Our Brokers

At Archway Insurance, we’re familiar with the perks of cottage life, cabins on the lake, and beach houses along the coast. That’s why we work with major insurance providers to equip seasonal homes and cottages with the right insurance coverage. Our goal is to help homeowners and savvy investors like you secure your property with damage and liability protection, so you can enjoy every vacation and feel right at home, even when you’re miles away.


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