FAST HELP FOR EMERGENCIES
FAST HELP FOR EMERGENCIES
Emergency claims assistance
Reach us directly Monday–Friday, 9am–5pm for personal assistance. Outside of these hours, 24/7 claims representatives are available to guide you through the process, explain your coverage and deductibles, and provide support.
FAST HELP FOR EMERGENCIES
FAST HELP FOR EMERGENCIES
Emergency claims assistance
Reach us directly Monday–Friday, 9am–5pm for personal assistance. Outside of these hours, 24/7 claims representatives are available to guide you through the process.
GET A QUOTE
GET A QUOTE
Need additional support?
Our licensed brokers are here to help! Mon to Fri, 9AM to 5PM.
REPORT AN EMERGENCY CLAIM
REPORT AN EMERGENCY CLAIM
Emergency claims
support after hours
Locate your insurer below and get guided support.
Aviva Ontario:
Aviva Quebec:
Chubb Ontario:
Chubb Quebec:
Economical Insurance:
Intact Ontario:
Intact Quebec:
Jevco Ontario:
Premier Group:
Wawanesa insurance:
How much does cottage insurance cost?
Cottage insurance isn’t one-size-fits-all. Your premium depends on several factors—how often you use the property, its size and rebuild value, proximity to a fire station, type of septic system, and whether you rent it out. Because insurers use different underwriting methods, prices vary widely. That’s where we come in. At Rowat Insurance, we work with a broad network of trusted providers to compare policies and find you the best coverage at the most competitive rate. Bundle options may also be available to help you save even more.
How much does cottage insurance cost?
Cottage insurance isn’t one-size-fits-all. Your premium depends on several factors—how often you use the property, its size and rebuild value, proximity to a fire station, type of septic system, and whether you rent it out. Because insurers use different underwriting methods, prices vary widely. That’s where we come in. At Rowat Insurance, we work with a broad network of trusted providers to compare policies and find you the best coverage at the most competitive rate. Bundle options may also be available to help you save even more.
What’s the cost of cottage insurance in Ontario or Quebec?
In Ontario, cottage insurance typically ranges between $500 and $5,000 per year, depending on your property’s specifics. Rates in Quebec are generally similar. While online quotes can give you a rough idea, we often secure better options tailored to your needs—and budget—by accessing a broader pool of insurers.
What’s the cost of cottage insurance in Ontario or Quebec?
In Ontario, cottage insurance typically ranges between $500 and $5,000 per year, depending on your property’s specifics. Rates in Quebec are generally similar. While online quotes can give you a rough idea, we often secure better options tailored to your needs—and budget—by accessing a broader pool of insurers.
What are the requirements for getting cottage insurance?
Insurers usually require that the cottage is well-maintained and may also look at your credit history. In some cases, they may require that your primary home is insured with the same provider.
What are the requirements for getting cottage insurance?
Insurers usually require that the cottage is well-maintained and may also look at your credit history. In some cases, they may require that your primary home is insured with the same provider.
Who needs cottage insurance?
Anyone who owns a cottage—whether it’s for personal use or rental—should have insurance. Without coverage, you could be responsible for the cost of damages, theft, or injuries that occur on the property. Even incidents you’re not directly involved in can lead to liability.
Who needs cottage insurance?
Anyone who owns a cottage—whether it’s for personal use or rental—should have insurance. Without coverage, you could be responsible for the cost of damages, theft, or injuries that occur on the property. Even incidents you’re not directly involved in can lead to liability.
What does cottage insurance cover?
Most cottage insurance policies include protection for the building, contents, and liability in the event of fire, theft, or vandalism. Some providers offer extended coverage for boathouses, guest cabins, or other structures on your property. However, coverage can vary significantly between insurers. Some exclude common risks like snow-related roof damage, recreational vehicles, or flooding—especially if your cottage is near a lake. Others may cap certain coverages or charge more for added protection. That’s why working with an experienced broker is key—we help you navigate the fine print and secure a policy that fits your lifestyle and location.
What does cottage insurance cover?
Most cottage insurance policies include protection for the building, contents, and liability in the event of fire, theft, or vandalism. Some providers offer extended coverage for boathouses, guest cabins, or other structures on your property. However, coverage can vary significantly between insurers. Some exclude common risks like snow-related roof damage, recreational vehicles, or flooding—especially if your cottage is near a lake. Others may cap certain coverages or charge more for added protection. That’s why working with an experienced broker is key—we help you navigate the fine print and secure a policy that fits your lifestyle and location.
FAST HELP FOR EMERGENCIES
Emergency claims assistance
Reach us directly Monday–Friday, 9am–5pm for personal assistance. Outside of these hours, 24/7 claims representatives are available to guide you through the process, explain your coverage and deductibles, and provide support.
"This company is committed to quality and makes sure you get the best coverage for the best price. Highly recommend for quality, value, and customer service!"
REPORT AN EMERGENCY CLAIM
REPORT AN EMERGENCY CLAIM
REPORT AN EMERGENCY CLAIM
Emergency claims support after hours
Emergency claims
support after hours
Emergency claims
support after hours
To begin your claim, locate your insurer on the list and call the number provided. A friendly rep will walk you through the next steps.
To begin your claim, locate your insurer on the list and call the number provided. A friendly rep will walk you through the next steps.
To begin your claim, locate your insurer on the list and call the number provided. A friendly rep will walk you through the next steps.
FAQs
FAQs
FAQs
Answering your questions
Got more questions? Send us a message below.
Got more questions?
Send us a message below.
What should I do if I have serious water damage?
Contact us immediately. If it’s after business hours, reach out to your insurer directly. Acting fast can help minimize damage and reduce the risk of mould.
What should I do if I have serious water damage?
Contact us immediately. If it’s after business hours, reach out to your insurer directly. Acting fast can help minimize damage and reduce the risk of mould.
What should I do if I have serious water damage?
Contact us immediately. If it’s after business hours, reach out to your insurer directly. Acting fast can help minimize damage and reduce the risk of mould.
How is fault determined after a car accident?
In Ontario, cottage insurance typically ranges between $500 and $5,000 per year, depending on your property’s specifics. Rates in Quebec are generally similar. While online quotes can give you a rough idea, we often secure better options tailored to your needs—and budget—by accessing a broader pool of insurers.
How is fault determined after a car accident?
In Ontario, cottage insurance typically ranges between $500 and $5,000 per year, depending on your property’s specifics. Rates in Quebec are generally similar. While online quotes can give you a rough idea, we often secure better options tailored to your needs—and budget—by accessing a broader pool of insurers.
How is fault determined after a car accident?
In Ontario, cottage insurance typically ranges between $500 and $5,000 per year, depending on your property’s specifics. Rates in Quebec are generally similar. While online quotes can give you a rough idea, we often secure better options tailored to your needs—and budget—by accessing a broader pool of insurers.
Will my insurance rates increase if I wasn’t at-fault?
No, if you’re found to be 100% not at-fault, your rates won’t go up—this is considered a non-chargeable accident. However, if you’re found partially at-fault, it could impact your premium.
Will my insurance rates increase if I wasn’t at-fault?
No, if you’re found to be 100% not at-fault, your rates won’t go up—this is considered a non-chargeable accident. However, if you’re found partially at-fault, it could impact your premium.
Will my insurance rates increase if I wasn’t at-fault?
No, if you’re found to be 100% not at-fault, your rates won’t go up—this is considered a non-chargeable accident. However, if you’re found partially at-fault, it could impact your premium.
What if I’m in an accident by myself?
A single-vehicle accident is typically covered under the collision portion of your policy, subject to your deductible. It may also affect your insurance rating depending on the circumstances.
What if I’m in an accident by myself?
A single-vehicle accident is typically covered under the collision portion of your policy, subject to your deductible. It may also affect your insurance rating depending on the circumstances.
What if I’m in an accident by myself?
A single-vehicle accident is typically covered under the collision portion of your policy, subject to your deductible. It may also affect your insurance rating depending on the circumstances.
WE'RE HERE TO HELP
WE'RE HERE TO HELP
WE'RE HERE TO HELP
Need additional support?
Our licensed brokers are here to help! Reach out to Rowat Insurance Monday to Friday, 9 AM to 5 PM.
WE'RE HERE TO HELP
Need additional support?
Our licensed brokers are here to help! Reach out to Rowat Insurance Monday to Friday, 9 AM to 5 PM.
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
