Cottage & Cabin Insurance is a specialized policy designed to protect secondary or vacation homes. It covers risks like fire, theft, vandalism, and liability, which are often heightened for seasonal properties. Whether your property is occupied year-round or only during certain months, this insurance provides financial protection for the structure, contents, and surrounding property.

Benefits of Cottage & Cabin Insurance with 705 Insurance

• Customized Coverage: Protect all types of properties, including high-value homes, log cabins, off-grid properties, and island cottages.

• Risk-Specific Solutions: Address unique risks like wood-burning stoves, high-risk locations, and no plumbing.

• Liability Protection: Safeguard against accidents or injuries that occur on your property.

• Peace of Mind: Focus on enjoying your retreat, knowing it’s protected.

• Expert Guidance: Our brokers provide personalized advice to ensure you get the right coverage at a competitive rate.

Common Questions About Cottage & Cabin Insurance

• What types of properties are eligible? We insure a wide range, including log homes, off-grid cabins, high-value estates, and properties on islands or in remote locations.

• Does it cover rental properties? Yes, we offer coverage for cottages or cabins rented out seasonally or year-round.

• Are there restrictions for off-grid properties? No, we specialize in providing coverage for properties without traditional amenities like plumbing or electricity.

• What about wood-burning stoves? These are common in cottages, and we ensure they’re covered with appropriate fire risk precautions.

Clearing Up Misconceptions

Some property owners believe standard homeowner’s insurance extends to vacation homes, but this is not always the case. Seasonal properties often face higher risks, requiring a dedicated policy. Others think high-risk or off-grid properties are too difficult to insure. At 705 Insurance, we specialize in addressing these challenges, providing coverage even for unconventional properties.

Real-Life Examples

• For Island Properties: A family insures their island cabin, including coverage for docks and boats used to access the property.

• For High-Risk Homes: A log cabin with a wood-burning stove in a remote location is fully covered for fire and liability risks.

• For Off-Grid Retreats: An off-grid cottage with solar panels and no plumbing is insured for damage and theft, ensuring the owner’s investment is protected.

The 705 Insurance Difference

At 705 Insurance, we understand that no two cottages or cabins are alike. Our brokers work closely with you to assess your property’s unique features and risks, crafting a policy that offers comprehensive protection. Whether it’s a luxury lakeside retreat or a rustic off-grid cabin, we’re here to ensure your property is safeguarded. Contact us today for a personalized quote and protect your getaway with confidence!