WHY COTTAGE INSURANCE MATTERS
Your retreat deserves real protection
Seasonal homes are often unoccupied for extended periods, making them more vulnerable to damage and break-ins. Cottage insurance isn’t just a modified home policy—it’s tailored protection based on how often the property is used, whether it’s rented out, and what’s stored on-site. We help you navigate the complex coverage options to find a policy that fits.
WHY COTTAGE INSURANCE MATTERS
Your retreat deserves real protection
Seasonal homes are often unoccupied for extended periods, making them more vulnerable to damage and break-ins. Cottage insurance isn’t just a modified home policy—it’s tailored protection based on how often the property is used, whether it’s rented out, and what’s stored on-site. We help you navigate the complex coverage options to find a policy that fits.
WHY COTTAGE INSURANCE MATTERS
Your retreat deserves real protection
Seasonal homes are often unoccupied for extended periods, making them more vulnerable to damage and break-ins. Cottage insurance isn’t just a modified home policy—it’s tailored protection based on how often the property is used, whether it’s rented out, and what’s stored on-site. We help you navigate the complex coverage options to find a policy that fits.
WHY COTTAGE INSURANCE MATTERS
Your retreat deserves real protection
Seasonal homes are often unoccupied for extended periods, making them more vulnerable to damage and break-ins. Cottage insurance isn’t just a modified home policy—it’s tailored protection based on how often the property is used, whether it’s rented out, and what’s stored on-site. We help you navigate the complex coverage options to find a policy that fits.
QUEBEC COTTAGE INSURANCE
QUEBEC COTTAGE INSURANCE
QUEBEC COTTAGE INSURANCE
Do you own a cottage in Quebec?
Owning a cottage in Quebec but living outside the province? At Rowat Insurance, we specialize in providing reliable cottage insurance tailored just for you. We understand the unique risks and coverage needs that come with owning a second home in Quebec. Our policies are designed exclusively for non-Quebec residents, so if you’re an Ontario homeowner looking to protect your Quebec cottage, we’ve got you covered.
HOW WE HELP
HOW WE HELP
HOW WE HELP
We simplify the complex
Assess your property
We begin with a full review of your seasonal home—its location, use, occupancy, and risk factors.
Assess your property
We begin with a full review of your seasonal home—its location, use, occupancy, and risk factors.
Assess your property
We begin with a full review of your seasonal home—its location, use, occupancy, and risk factors.
Determine coverage needs
We identify what type of protection is required, from standard coverage to optional add-on
Determine coverage needs
We identify what type of protection is required, from standard coverage to optional add-on
Determine coverage needs
We identify what type of protection is required, from standard coverage to optional add-on
Compare policies
We search across multiple providers to find the best choices that match your needs and budget.
Compare policies
We search across multiple providers to find the best choices that match your needs and budget.
Compare policies
We search across multiple providers to find the best choices that match your needs and budget.
Highlight limitations
If a policy includes exclusions or coverage gaps, we’ll flag them so you’re fully informed.
Highlight limitations
If a policy includes exclusions or coverage gaps, we’ll flag them so you’re fully informed.
Highlight limitations
If a policy includes exclusions or coverage gaps, we’ll flag them so you’re fully informed.
Highlight limitations
If a policy includes exclusions or coverage gaps, we’ll flag them so you’re fully informed.
Recommend add-ons
We only recommend extra coverage if it strengthens your protection—nothing more or less.
Recommend add-ons
We only recommend extra coverage if it strengthens your protection—nothing more or less.
Recommend add-ons
We only recommend extra coverage if it strengthens your protection—nothing more or less.
HOW WE HELP
We simplify the
complex
Assess your property
We begin with a full review of your seasonal home—its location, use, occupancy, and risk factors.
Determine coverage needs
We identify what type of protection is required, from standard coverage to optional add-on
Compare policies
We search across multiple providers to find the best choices that match your needs and budget.
Highlight limitations
If a policy includes exclusions or coverage gaps, we’ll flag them so you’re fully informed.
Recommend add-ons
We only recommend extra coverage if it strengthens your protection—nothing more or less.
Recommend add-ons
We only recommend extra coverage if it strengthens your protection—nothing more or less.
QUEBEC COTTAGE INSURANCE
QUEBEC COTTAGE INSURANCE
Do you own a cottage in Quebec?
Owning a cottage in Quebec but living outside the province? At Rowat Insurance, we specialize in providing reliable cottage insurance tailored just for you. We understand the unique risks and coverage needs that come with owning a second home in Quebec. Our policies are designed exclusively for non-Quebec residents, so if you’re an Ontario homeowner looking to protect your Quebec cottage, we’ve got you covered.
WHAT WE OFFER
Coverage types
At Rowat Insurance, we provide comprehensive seasonal home and cottage insurance designed to protect your retreat—inside and out, all year long.
Multiple seasonal properties
Own multiple seasonal properties or a builder’s cottage? We’ve got you covered. Our insurance solutions extend to second homes, unoccupied properties, and active construction projects—protecting your investments from theft, weather damage, and delays.
Cottage rental insurance
If you're renting out your cottage, regular coverage isn’t enough. We offer extended rental insurance that protects against liability, loss of rental income, and accidental damage—ensuring your property remains a secure and profitable investment.
Cross-province coverage
Have a home in one province and a seasonal property in another? No problem. Our licensed brokers are experts in both Ontario and Quebec insurance requirements, making it easy to insure all your properties under one roof—with unified protection and full peace of mind.
WHAT WE OFFER
Coverage types
At Rowat Insurance, we provide comprehensive seasonal home and cottage insurance designed to protect your retreat—inside and out, all year long.
Multiple seasonal properties
Own multiple seasonal properties or a builder’s cottage? We’ve got you covered. Our insurance solutions extend to second homes, unoccupied properties, and active construction projects—protecting your investments from theft, weather damage, and delays.
Cottage rental insurance
If you're renting out your cottage, regular coverage isn’t enough. We offer extended rental insurance that protects against liability, loss of rental income, and accidental damage—ensuring your property remains a secure and profitable investment.
Cross-province coverage
Have a home in one province and a seasonal property in another? No problem. Our licensed brokers are experts in both Ontario and Quebec insurance requirements, making it easy to insure all your properties under one roof—with unified protection and full peace of mind.
WHAT WE OFFER
Coverage types
At Rowat Insurance, we provide comprehensive seasonal home and cottage insurance designed to protect your retreat—inside and out, all year long.
Multiple seasonal properties
Own multiple seasonal properties or a builder’s cottage? We’ve got you covered. Our insurance solutions extend to second homes, unoccupied properties, and active construction projects—protecting your investments from theft, weather damage, and delays.
Cottage rental insurance
If you're renting out your cottage, regular coverage isn’t enough. We offer extended rental insurance that protects against liability, loss of rental income, and accidental damage—ensuring your property remains a secure and profitable investment.
Cross-province coverage
Have a home in one province and a seasonal property in another? No problem. Our licensed brokers are experts in both Ontario and Quebec insurance requirements, making it easy to insure all your properties under one roof—with unified protection and full peace of mind.
WHAT WE OFFER
Coverage types
We provide comprehensive seasonal home and cottage insurance designed to protect your retreat—inside and out.
Multiple seasonal properties
Own multiple seasonal properties or a builder’s cottage? We’ve got you covered. Our insurance solutions extend to second homes, unoccupied properties, and active construction projects—protecting your investments from theft, weather damage, and delays.
Cottage rental insurance
If you're renting out your cottage, regular coverage isn’t enough. We offer extended rental insurance that protects against liability, loss of rental income, and accidental damage—ensuring your property remains a secure and profitable investment.
Cross-province coverage
Have a home in one province and a seasonal property in another? No problem. Our licensed brokers are experts in both Ontario and Quebec insurance requirements, making it easy to insure all your properties under one roof—with unified protection and full peace of mind.
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.
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’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.
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.
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.
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.
Can I get insurance for my Quebec cottage if I am not a Quebec resident?
Yes! If you live outside of Quebec, such as in Ontario, you can still insure your Quebec cottage through Rowat Insurance. We offer tailored coverage specifically for non-Quebec residents who own recreational or seasonal properties in the province. Whether it’s a lakeside retreat or a rustic cabin, we’ll help you protect your investment with the right insurance.
Can I get insurance for my Quebec cottage if I am not a Quebec resident?
Yes! If you live outside of Quebec, such as in Ontario, you can still insure your Quebec cottage through Rowat Insurance. We offer tailored coverage specifically for non-Quebec residents who own recreational or seasonal properties in the province. Whether it’s a lakeside retreat or a rustic cabin, we’ll help you protect your investment with the right insurance.
Can I get insurance for my Quebec cottage if I am not a Quebec resident?
Yes! If you live outside of Quebec, such as in Ontario, you can still insure your Quebec cottage through Rowat Insurance. We offer tailored coverage specifically for non-Quebec residents who own recreational or seasonal properties in the province. Whether it’s a lakeside retreat or a rustic cabin, we’ll help you protect your investment with the right insurance.
Can I get insurance for my Quebec cottage if I am not a Quebec resident?
Yes! If you live outside of Quebec, such as in Ontario, you can still insure your Quebec cottage through Rowat Insurance. We offer tailored coverage specifically for non-Quebec residents who own recreational or seasonal properties in the province. Whether it’s a lakeside retreat or a rustic cabin, we’ll help you protect your investment with the right insurance.
COTTAGE & SEASONAL INSURANCE
Need seasonal insurance?
Owning a cottage or vacation property is a dream, but it comes with unique risks. At Rowat Insurance, we offer specialized insurance solutions that protect your seasonal home against fire, theft, weather, and more.
"Their team is knowledgeable, attentive, and truly cares about finding the best coverage for our needs."
WHY COTTAGE INSURANCE MATTERS
Your retreat deserves real protection
Seasonal homes are often unoccupied for extended periods, making them more vulnerable to damage and break-ins. Cottage insurance isn’t just a modified home policy—it’s tailored protection based on how often the property is used, whether it’s rented out, and what’s stored on-site. We help you navigate the complex coverage options to find a policy that fits.
HOW WE HELP
We simplify the complex
Assess your property
We begin with a full review of your seasonal home—its location, use, occupancy, and risk factors.
Determine coverage needs
We identify what type of protection is required, from standard coverage to optional add-on
Compare policies
We search across multiple providers to find the best choices that match your needs and budget.
Highlight limitations
If a policy includes exclusions or coverage gaps, we’ll flag them so you’re fully informed.
Recommend add-ons
We only recommend extra coverage if it strengthens your protection—nothing more or less.
QUEBEC COTTAGE INSURANCE
Do you own
a cottage in Quebec?
Owning a cottage in Quebec but living outside the province? At Rowat Insurance, we specialize in providing reliable cottage insurance tailored just for you. We understand the unique risks and coverage needs that come with owning a second home in Quebec. Our policies are designed exclusively for non-Quebec residents, so if you’re an Ontario homeowner looking to protect your Quebec cottage, we’ve got you covered.
WHAT WE OFFER
Coverage types
At Rowat Insurance, we provide comprehensive seasonal home and cottage insurance designed to protect your retreat—inside and out, all year long.
Multiple seasonal properties
Own multiple seasonal properties or a builder’s cottage? We’ve got you covered. Our insurance solutions extend to second homes, unoccupied properties, and active construction projects—protecting your investments from theft, weather damage, and delays.
Cottage rental insurance
If you're renting out your cottage, regular coverage isn’t enough. We offer extended rental insurance that protects against liability, loss of rental income, and accidental damage—ensuring your property remains a secure and profitable investment.
Cross-province coverage
Have a home in one province and a seasonal property in another? No problem. Our licensed brokers are experts in both Ontario and Quebec insurance requirements, making it easy to insure all your properties under one roof—with unified protection and full peace of mind.
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 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.
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.
Can I get insurance for my Quebec cottage if I am not a Quebec resident?
Yes! If you live outside of Quebec, such as in Ontario, you can still insure your Quebec cottage through Rowat Insurance. We offer tailored coverage specifically for non-Quebec residents who own recreational or seasonal properties in the province. Whether it’s a lakeside retreat or a rustic cabin, we’ll help you protect your investment with the right insurance.
GET A QUOTE
Lets protect your
getaway, together
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
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
