Breaking Down the Most Common Cottage Insurance Claims

Owning a cottage is one of life’s great joys—whether it’s summer afternoons on the dock or cozy winter getaways by the fire. But as any cottage owner knows, having a retreat comes with unique risks. That’s why cottage insurance is so important: it protects your getaway from life’s unexpected events.

To help you understand your coverage better, we’ve broken down the most common cottage insurance claims we see. Knowing these risks can help you prepare—and possibly prevent a claim in the first place.

1. Water Damage

One of the leading cottage insurance claims is water damage.

• Burst pipes: In colder months, cottages that sit empty for weeks are especially vulnerable to frozen and burst pipes.

• Leaks: Roof leaks and seepage from spring melt are also common culprits.

Prevention Tip: Shut off the water supply when leaving the cottage for extended periods, and consider adding a smart water sensor for extra peace of mind.

2. Fire and Smoke Damage

Cottages often rely on wood stoves, fireplaces, or older electrical systems—all of which increase fire risk. Lightning strikes during summer storms can also spark fires.

Prevention Tip: Keep chimneys clean, use fire-safe practices, and ensure smoke detectors are working. If your cottage is remote, consider a monitored alarm system to alert emergency services quickly.

3. Theft and Vandalism

Seasonal properties are sometimes unoccupied for months at a time, making them targets for theft or vandalism. Unfortunately, these claims are common for cottage owners.

Prevention Tip: Remove valuables when you leave, install motion-sensor lights, and ask a trusted neighbour to check on your property.

4. Wind and Storm Damage

From strong summer thunderstorms to heavy winter winds, severe weather can cause major damage to roofs, docks, and outbuildings.

Prevention Tip: Regular maintenance goes a long way—secure loose items, trim overhanging branches, and ensure your roof is in good condition before storm season.

5. Liability Claims

Accidents can happen when family and guests visit your cottage. From dock injuries to slips and falls, liability claims are a key part of cottage insurance protection.

Prevention Tip: Keep pathways clear, maintain docks and stairs, and ensure safety equipment (like lifejackets) is available and in good condition.

Why Cottages Face Unique Risks

Cottages aren’t like year-round homes, and that’s exactly why their insurance needs are different. Many are located in remote areas, which means emergency response times for fire, flooding, or break-ins can be longer. Seasonal use also adds to the risk—when a property sits empty for weeks or months at a time, small issues like a leaky pipe or broken window can turn into major problems before they’re discovered.

On top of that, cottages often sit near water or deep in wooded areas, leaving them more exposed to storms, high winds, and even wildlife damage. Features like docks, wood stoves, and older building materials bring even more factors into play.

Protecting Your Cottage with the Right Coverage

Every cottage is unique, and so are its risks. The best way to protect your retreat is with tailored cottage insurance that covers both seasonal and year-round use. At Rowat Insurance, we’ve been helping families protect their cottages since 1955. As an independent broker, we shop multiple insurers to find coverage that fits your needs and budget—so you can focus on making memories, not worrying about “what ifs.”