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Seasonal Property Insurance

Your cottage is more than a retreat—it’s your sanctuary, a place where memories are made. At The Commonwell, over 3,000 cottage owners trust us to protect their cherished getaways. We offer more than just insurance; we provide peace of mind, enhancing every lakeside sunset, campfire, and stargazing moment.

Coverage Options
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SEASONAL PROPERTY INSURANCE

What We Cover

Explore our comprehensive seasonal property insurance options designed to protect your cherished retreat:

Structural Protection

Your seasonal property is vulnerable to ice, snow, vandalism, and other unexpected events. This coverage helps protect the building itself so your retreat stays safe.

Water Damage

Ice damming, water escape, floods, and sewer backups can compromise your property. This coverage ensures you’re protected from the unexpected.

Landscape

Landscapes can change with the seasons and shifting weather. Specific shrubs and trees are covered to help keep your outdoor space as beautiful and resilient as your retreat.

Animal-Related Damages

From squirrels and raccoons to your own pets, animals can cause costly damage. This coverage helps you repair and recover when nature gets a little too curious.

Personal Property

Items like bicycles, canoes, snowblowers, and freezer contents are automatically included with special limits. Your belongings stay protected while you enjoy your getaway.

Environmental

Your property’s unseen essentials deserve protection too. From domestic service lines to septic systems and fuel leaks, this coverage helps you recover quickly when the unexpected happens below the surface.

Our brokers live, work, and play in Commonwell Country, so they know what makes a cottage feel like a true getaway—and how to keep it protected while you relax.

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SEASONAL PROPERTY INSURANCE

Why Choose The Commonwell for Your Cottage Insurance?

Local Expertise

Our brokers live and work in Commonwell Country, giving them first-hand knowledge of seasonal properties and what’s needed to keep them safe.

Personalized Service

From paddling at dawn to evenings by the fire, our brokers get what cottage life is all about—and they help protect it so you can enjoy every moment.

Peace of Mind

With comprehensive protection in place, you can focus on sunsets, campfires, and lakeside laughs, knowing your retreat is safe and cared for.

Resources

Important Things to Know

Year-round or seasonal access can affect your coverage and premium. Talk to your broker about how often you use your cottage to make sure it’s properly protected.

If you have a boat or watercraft, confirm it’s included in your policy and understand who’s covered to operate it.

Cottage country can be remote. Know the distance and capabilities of nearby fire departments to avoid surprises.

Regular maintenance matters. Discuss your system’s setup and coverage needs with your broker to prevent costly issues.

Keep a record of high-value items (typically over $500) to ensure they’re covered under your policy.

Properties near lakes, rivers, or wetlands face higher flood risks. Review your options for additional water protection with your broker.

Protect the place where laughter echoes and memories linger. Connect with a Commonwell broker today to build the right coverage for your retreat.

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