Property & Rentals

Cottage Rental Insurance in Ontario

Rent the lake life, keep the coverage.

Renting the cottage adds commercial exposure to seasonal property: guest injuries on docks and stairs, wood-stove and water risks amplified by unfamiliar occupants, and income that vanishes if a July loss cancels the season.

We insure rented cottages across Ontario, waterfront exposures and rental income included.

What the package includes

Seasonal property coverage rated for rental use
Commercial general liability (CGL) for third-party injury and property damage
Loss of rental income for the booking season
Dock, bunkie, and outbuilding coverage

Good to know

Frequently asked questions

My cottage policy is silent on renting — am I covered?: Silence usually means excluded: rental use must be declared and rated. A weekend of undeclared renting can compromise a claim; declaring it typically costs less than one booking's revenue.
How much does cottage rental insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get cottage rental insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Frequently asked questions

My cottage policy is silent on renting — am I covered?

Silence usually means excluded: rental use must be declared and rated. A weekend of undeclared renting can compromise a claim; declaring it typically costs less than one booking's revenue.

How much does cottage rental insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get cottage rental insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.