Whether you’re on the Bruce Peninsula, in Muskoka, around the Kawarthas, or elsewhere in beautiful Ontario, getting away to the cottage is a treasured time and a peaceful retreat from city life.

However, protecting that investment with cottage insurance is essential, and one of the first questions owners ask is: How much does cottage insurance cost in Ontario? The answer depends on several factors, but here’s a summary to help give you a clearer picture.

Cottage Insurance in Ontario

In Ontario, cottage insurance costs can generally range from $800 to $3,000 per year. This wide range reflects the unique nature of each property. For a basic seasonal cottage such as a small cabin used only during the summer months might cost closer to the lower end, around $800 to $1,500 annually.

For larger, year-round secondary homes with features like boathouses, docks, or high-value contents, premiums can climb toward $3,000 or more. Estimates often fall between $150 and $250 per month, depending on coverage and property specifics.

What drives Cottage Insurance Costs?

Location is a big factor. A cottage in a remote area, far from fire stations or emergency services, will likely cost more to insure due to its higher risk. Accessibility, whether it’s water-access only or on a year-round road, also plays a role. The size, construction type (e.g., log homes can be pricier to rebuild), and amenities like wood stoves or hot tubs can increase premiums too. If you rent out your cottage (i.e. listing on Airbnb or Vrbo), expect higher rates, as this shifts it into a commercial-use category and often requiring specialized coverage.

Usage matters as well. Seasonal properties might qualify for basic “named perils” coverage (e.g., fire, theft), keeping costs down. Year-round cottages, however, often need comprehensive policies, which cover more risks and thus cost more. Bundling with your primary home insurance or adding discounts such as installing alarms, security cameras, etc., may help lower the price.

To get the best deal on cottage insurance, compare quotes from an insurance broker. Like all insurance policies, your exact cost will depend on your cottage’s unique profile, location, and usage factors, so speaking with a Staebler Broker can tailor coverage to your needs and budget.

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Staebler Insurance is a general insurance broker specializing in car insurance, home insurance, small business insurance, and commercial insurance. Staebler Insurance Brokers proudly serve Kitchener, Waterloo, Cambridge, Guelph, Stratford, Listowel, Fergus, Elora, Wellington County, Perth County, Waterloo Region, the Greater Toronto Area, Golden Horseshoe, Niagara Region, and all over beautiful Ontario, Canada. Get a Quote to get started today.