Cottage
A cottage is for relaxation, not for worry. Our insurance policies cover unexpected events and are based on replacement value instead of purchase price or municipal assessment, ensuring that your vacation home is always well protected.
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Talk to a broker 1-888-625-6846
Why get insurance for a second home or seasonal residence?
Whether it’s your lakeside cottage, your condo at the ski slopes, or your country home, your personal retreat deserves to be well protected. Second home insurance offers coverage for your seasonal residence, even when it is unoccupied. It safeguards against risks such as fire, theft, water damage, and vandalism.
Standard coverage
Depending on how you use your second home, standard coverage may be ideal for you.
Civil liability
This option provides coverage for property damage or bodily injury to third parties in the event of an accident occurring on your property.
Theft, fire, and vandalism
You can feel confident knowing that you are protected against risks such as theft, fire, or vandalism.
Additional coverage
Depending on your circumstances and risk tolerance, you can enhance your insurance coverage. Additional options are available to help you expand your coverage and create a tailored safety net.
Legal protection
This extra layer of protection is especially useful in the event of legal issues.
Water damage
To protect you from damage caused by water ingress, overflow, leaks, or accidental sewer backflow.
Natural disaster
This option provides protection against damage from wind, lightning, tornadoes, hail, and other natural hazards.
Outbuildings
Simply protecting your cottage may not be sufficient. This coverage also includes your garage, shed, and other outbuildings.
FAQ
Answers to your questions!
Will the cost of my cottage insurance change depending on how I use it?
Yes, your coverage and premium amount will be influenced by usage frequency, whether it’s year-round or seasonal.
Do I need to insure my cottage or second home?
No, unlike car insurance, which is mandatory, you are not legally required to insure your home, regardless of the type. However, not having insurance in the event of a disaster can lead to significant financial losses. Obtaining home insurance protects you against such situations. Additionally, most financial institutions require home insurance if you have a mortgage.
A tree fell on my building. What should I do?
First, contact your insurance broker, who can guide you through the process. A claims professional will assess the situation and the extent of the damage. There are two main reasons a tree might fall: extreme weather conditions or a health issue with the tree itself. Once the cause has been identified, it will be possible to determine who is responsible and what compensation may be awarded.
Interested?
Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
We work with the best suppliers
Intact
Promutuel
L’Unique
Pafco
