{"id":36360,"date":"2026-04-21T10:11:41","date_gmt":"2026-04-21T14:11:41","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=36360"},"modified":"2026-04-21T16:02:38","modified_gmt":"2026-04-21T20:02:38","slug":"cottage-insurance-in-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada","title":{"rendered":"Cottage Insurance in Canada: A Guide"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Cottage Insurance in Canada: A Guide<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-04-21T10:11:41-04:00\">April 21, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">11 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Corrina Allen\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Corrina Allen<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Cottage Insurance in Canada\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?resize=420,280 420w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Cottage Insurance in Canada: A Guide &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is cottage insurance in Canada?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-cottage-insurance-in-canada\">What is cottage insurance in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-cottage-insurance-cover\">What does cottage insurance cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-cottage-insurance-not-cover\">What does cottage insurance not cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-cottage-insurance-cost-in-canada\">How much does cottage insurance cost in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-factors-affect-the-cost-of-cottage-insurance\">What factors affect the cost of cottage insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-cottage-insurance-policy\">How to choose the right cottage insurance policy<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-home-insurance\">RBC Home Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Is there anything more quintessentially Canadian than a weekend at the cottage \u2014 mornings on the dock, a paddle across the lake, and evenings around the bonfire? For many Canadians, a cottage isn\u2019t just a property. It\u2019s a place to unwind, gather, and create lasting memories \u2014 whether it\u2019s a summer getaway or a year-round family retreat.<\/p>\n\n\n\n<p>But owning a second home comes with unique risks. From seasonal weather to extended vacancies to rental use, cottage properties face challenges that standard home insurance doesn\u2019t always fully cover.<\/p>\n\n\n\n<p>This article looks at how second home insurance works, how it differs from traditional Canadian home insurance, and what you can do to protect your property \u2014 whether\u2019s it\u2019s for personal use or rented out to guests.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Cottage insurance is designed for secondary homes, covering risks that don\u2019t always apply to primary residences.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>It can cover your cottage, other structures, your belongings, and liability, but there are limits \u2014 so don\u2019t assume everything is included.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Some things (like flooding or damage from leaving the place unattended too long) may not be covered unless you add extra protection.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How you use your cottage matters \u2014 whether it\u2019s seasonal, year-round, or rented out can affect both your coverage and your cost.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t just look at price \u2014 look at what\u2019s actually covered, and make sure it would be enough to rebuild and replace what you have.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-cottage-insurance-in-canada\">What is cottage insurance in Canada?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/cottage-insurance\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Cottage insurance\" class=\"rbc-link-format\">Cottage insurance<\/a> is a type of property insurance designed specifically for vacation homes \u2014 whether that\u2019s a summer cottage, a cabin, or a second property you use year-round.<\/p>\n\n\n\n<p>Unlike your primary residence, a cottage might not be used for long stretches, be harder to access, or face different risks depending on the season. That\u2019s why standard home insurance doesn\u2019t always fully cover it.<\/p>\n\n\n\n<p>Cottage insurance is built with those differences in mind. It typically covers the property itself, your belongings, and liability \u2014 while also accounting for things like seasonal use, remote locations, and exposure to weather or wildlife.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cottage-insurance-versus-home-insurance\"><strong>Cottage insurance versus home insurance<\/strong><\/h3>\n\n\n\n<p>At a glance, cottage insurance and home insurance might seem similar \u2014 but they\u2019re built for very different realities.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Standard home insurance<\/strong> is designed for a property you live in full-time. It assumes the home is regularly occupied, easy to access, and close to emergency services. Because of that, it often provides broader, more comprehensive coverage.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cottage insurance<\/strong> reflects how vacation properties are actually used. Your cottage might sit empty for weeks or months, be located far from the nearest fire station, or only be accessible by water or seasonal roads. These factors can change how coverage is structured.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>That\u2019s why cottage insurance policies are often more tailored. Coverage can vary depending on how often you use the property, whether it\u2019s winterized, how long it\u2019s left vacant, and whether you rent it out. In some cases, coverage may be more limited or require additional options to fully protect the property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-cottage-insurance-cover\">What does cottage insurance cover?<\/h2>\n\n\n\n<p>Cottage insurance is designed to help protect your property and the risks that come with owning a vacation home. While coverage varies by policy, it generally includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The dwelling <\/strong>\u2014 covers the primary structure and built-in features.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Detached structures<\/strong>, such as sheds, boathouses, docks, or other buildings on the property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Personal property<\/strong> \u2014 coverage for belongings like furniture, clothing, and recreational items, subject to limits and exclusions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Liability protection<\/strong> \u2014 coverage if someone is injured on your property or you accidentally cause damage to someone else\u2019s property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Certain types of damage<\/strong>, including events like fire, theft, some weather-related damage, or damage caused by animals, depending on the policy.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>It\u2019s worth reviewing your policy carefully so you understand what\u2019s covered, what isn\u2019t, and any conditions that could affect your coverage \u2014 ideally before something unexpected happens, like squirrels throwing a party in your hot tub.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-cottage-insurance-not-cover\">What does cottage insurance not cover?<\/h2>\n\n\n\n<p>While cottage insurance can offer valuable protection, it doesn\u2019t cover everything. Coverage varies by policy, but some types of damage are typically not included or may require additional coverage:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Wear and tear<\/strong> \u2014 damage that happens gradually over time from regular use.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Damage related to vacancy<\/strong> \u2014 coverage may be limited if the property is left unoccupied for extended periods without proper precautions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Flood damage<\/strong> \u2014 often not included as standard coverage and may require separate coverage.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Damage caused by a failure to properly maintain the property \u2014 such as frozen pipes, roof leaks, or other preventable issues.<\/p>\n\n\n\n<p>Coverage isn\u2019t one-size-fits-all, so it helps to know where you might need extra protection.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-cottage-insurance-cost-in-canada\">How much does cottage insurance cost in Canada?<\/h2>\n\n\n\n<p>The cost of cottage insurance in Canada can vary widely, but most cottage owners can expect to pay somewhere between $800 and $3,000 per year.<\/p>\n\n\n\n<p>Where your cottage is located can make a noticeable difference. For example, properties in more remote or harder-to-access areas may cost more to insure. Regional risks also play a role \u2014 cottages in areas prone to wildfires, severe storms, or flooding may come with higher premiums.<\/p>\n\n\n\n<p>For example, cottages in parts of British Columbia and Alberta may face higher premiums due to elevated wildfire risk, while properties in coastal or low-lying areas in Atlantic Canada may be more affected by storm-related risks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-factors-affect-the-cost-of-cottage-insurance\">What factors affect the cost of cottage insurance?<\/h2>\n\n\n\n<p>The price of cottage insurance can vary quite a bit, depending on your property and how you use it. Here are some of the biggest factors:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-location-and-access\"><strong>Location and access<\/strong><\/h3>\n\n\n\n<p>Is your cottage off the highway and close to town? Or is it a backcountry cabin accessed by boat? Properties that are more remote or harder to access \u2014 for example, those without year-round road access \u2014 may cost more to insure.<\/p>\n\n\n\n<p>Insurers may also look at how close you are to emergency services like fire stations, as well as access to water sources such as hydrants or lakes, which can affect response times in an emergency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-you-use-the-property\"><strong>How you use the property<\/strong><\/h3>\n\n\n\n<p>How frequently you use your cottage can impact your premium. A property that\u2019s used year-round and regularly occupied may be considered lower risk than one that\u2019s only used occasionally or left unoccupied for long periods.<\/p>\n\n\n\n<p>Insurers may also look at whether your cottage is considered a seasonal property, a secondary home, or something in between \u2014 as this can affect both coverage and cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rental-use\"><strong>Rental use<\/strong><\/h3>\n\n\n\n<p>If you rent out your cottage \u2014 even occasionally \u2014 that can affect both your coverage and your premium. Short-term rentals can introduce additional risks, so you may need specific coverage to make sure you\u2019re properly protected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-property-s-value-and-condition\"><strong>The property\u2019s value and condition<\/strong><\/h3>\n\n\n\n<p>Is your place an off-the-grid cabin built by your grandparents in the 1960s? Or shiny new lakefront mansion that\u2019s got all the newfangled tech? The size, age, and condition of your cottage all factor into the cost of insurance.<\/p>\n\n\n\n<p>Larger or higher-value properties generally cost more to insure, as do cottages with features like wood-burning stoves or older electrical systems. Renovations and upgrades can also affect how your property is assessed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coverage-limits-and-deductible\"><strong>Coverage limits and deductible<\/strong><\/h3>\n\n\n\n<p>The amount of coverage you choose \u2014 and the deductible you\u2019re comfortable with \u2014 may impact your premium. The more coverage you choose, the more you\u2019ll typically pay. Choosing a higher deductible can help lower your premium.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-optional-cottage-insurance-coverage\"><strong>Optional cottage insurance coverage<\/strong><\/h3>\n\n\n\n<p>Depending on how you use your cottage, you might need a bit more coverage than a standard policy provides.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/water-damage-what-am-i-covered-for\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-label=\"Water damage\" data-dig-action=\"link click\" data-dig-category=\"LP-HomeInsurance\" class=\"rbc-link-format\">Water damage<\/a>:<\/strong> Helps cover water-related damage \u2014 like <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/what-is-a-sewer-backup-and-how-to-prevent-it\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-label=\"sewer backups\" data-dig-action=\"link click\" data-dig-category=\"LP-HomeInsurance\" class=\"rbc-link-format\">sewer backups<\/a>, service line issues, or overland flooding \u2014 which aren\u2019t always included in standard coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Short-term rental protection: <\/strong>If you rent out your cottage, this can help protect you if guests cause damage. It may also help cover lost rental income if you can\u2019t rent the property after a covered loss.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Vehicle coverage:<\/strong> If you keep things like <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/boat-insurance\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"boats\" class=\"rbc-link-format\">boats<\/a>, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/atv-insurance\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"ATVs\" class=\"rbc-link-format\">ATVs<\/a>, and <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/snowmobile-insurance\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"snowmobiles\" class=\"rbc-link-format\">snowmobiles<\/a>, you may want separate coverage to protect them against damage, theft, liability, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-cottage-insurance-policy\">How to choose the right cottage insurance policy<\/h2>\n\n\n\n<p>Choosing the right cottage insurance comes down to understanding your property, your risks, and how you plan to use it. Here are a few things to keep in mind:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-start-with-your-coverage-needs\"><strong>Start with your coverage needs<\/strong><\/h3>\n\n\n\n<p>What would it cost to rebuild your cottage and replace everything inside it? Think about what it would cost to rebuild your cottage <em>today<\/em> \u2014 not what you originally paid for it. Rebuilding costs (known as replacement cost) can be higher due to materials, labour, and location.<\/p>\n\n\n\n<p>You\u2019ll also want to factor in the value of your belongings, along with risks specific to your property, like weather exposure, accessibility, and whether you rent it out.<\/p>\n\n\n\n<p>Once you have a general understanding, it will help you nail down the type and how much insurance coverage to get.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-understand-coverage-limits\"><strong>Understand coverage limits<\/strong><\/h3>\n\n\n\n<p>Not all policies are the same. Some cover the full replacement cost of your property, while others factor in depreciation (actual cash value). Others may insure your cottage against natural events, like earthquake or flooding. Also, check how much coverage you have for personal belongings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-look-at-ways-to-bundle-and-save\"><strong>Look at ways to bundle and save<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Bundling your cottage insurance with other policies \u2014 like your<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\" home\" class=\"rbc-link-format\"> home<\/a> or <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"auto insurance\" class=\"rbc-link-format\">auto insurance<\/a> \u2014 may help lower your overall cost and simplify your coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consider-how-often-you-pay-your-premium\"><strong>Consider how often you pay your premium<\/strong><\/h3>\n\n\n\n<p>Some insurers offer savings if you pay annually instead of monthly, so it\u2019s worth comparing your options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-compare-the-options\"><strong>Compare the options<\/strong><\/h3>\n\n\n\n<p>Don\u2019t just look at price \u2014 compare what\u2019s actually covered. Policies can differ in terms of limits, exclusions, and how your property is valued, so it\u2019s worth making sure you\u2019re getting the protection you need. You can use this <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HMMB&amp;lang=EN\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance calculator\" class=\"rbc-link-format\">RBC Insurance calculator<\/a> to get a quote.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consult-an-expert\"><strong>Consult an expert<\/strong><\/h3>\n\n\n\n<p>If you\u2019re unsure, an <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/home-insurance\/index.html\" data-dig-id=\"LP-HomeInsurance-36360-8fa3ef0e\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance advisor\" class=\"rbc-link-format\">RBC Insurance advisor<\/a> can walk you through your options, explain how different types of coverage work, and help you spot any gaps. They can also tailor your policy based on how you use your cottage and may suggest ways to bundle it with other RBC policies to help you save.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bringing-it-all-together\"><strong>Bringing it all together<\/strong><\/h3>\n\n\n\n<p>Owning a cottage comes with a unqiue risks \u2014 and your insurance should reflect that. From how often you use the property to where it\u2019s located and what you keep there, the right coverage depends on your specific situation.<\/p>\n\n\n\n<p>Taking the time to understand your options now can help you avoid surprises later \u2014 and give you confidence that your property is protected, no matter what comes your way.<\/p>\n\n\n\n<p>Because at the end of the day, cottage life is about slowing down \u2014 whether that\u2019s sitting on the dock, watching the sun set over the water, or spending time with the people who matter most. The right coverage helps make sure you can focus on those moments, not what could go wrong.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-home-insurance\">RBC Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Protect your home from the unexpected<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_H21&amp;Lang=EN\" data-dig-id=\"LP-11914-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_H21&amp;Lang=EN \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-280-0876daf7\" data-dig-category=\"LP\" data-dig-action=\"link click\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  mar-t-dbl mob-mar-t-dbl is-style-faqs faqs\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-faqs-about-cottage-insurance-in-canada\">FAQs about cottage insurance in Canada<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Do I need insurance for my cottage in Canada?<\/h4>\n\n\n\n<p>Cottage insurance isn\u2019t legally required, but going without it is risky. If your cottage is financed with a mortgage, your lender will typically require you to have insurance in place. Even if it\u2019s fully paid off, you\u2019d be responsible for any repair or replacement costs \u2014 as well as liability if someone is injured on your property \u2014 if something goes wrong.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Can I insure a cottage I rent out?<\/h4>\n\n\n\n<p>Yes \u2014 but you need to be upfront about it. Renting out your cottage changes your risk profile, so your insurer needs to know how often and for how long it\u2019s rented. In many cases, you\u2019ll need additional coverage or a policy designed for short-term rentals.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Can I get insurance for a cottage accessible by air or water?<\/h4>\n\n\n\n<p>Yes, but it can be more complex. Remote or hard-to-access properties may be considered higher risk, which can limit your options or increase your premium. You may need a specialized or standalone policy, rather than bundling it with your home insurance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Does cottage insurance cover my dock and boathouse?<\/h4>\n\n\n\n<p>Yes, but it depends on the policy. Structures like docks, boathouses, sheds, and bunkies are typically covered as \u201cother structures,\u201d but coverage limits may apply.&nbsp; It\u2019s worth checking your policy to make sure the limits are high enough to fully protect them.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Is flood insurance covered in cottage insurance?<\/h4>\n\n\n\n<p>Not usually by default. Coverage for water damage \u2014 especially overland flooding or shoreline flooding \u2014 often needs to be added separately. What\u2019s included can vary widely, so it\u2019s important to review the details and consider extra protection if your property is near water.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How to best protect your family\u2019s home away from home<\/p>\n","protected":false},"author":203,"featured_media":36391,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[13],"article-type":[80],"ppma_author":[184],"class_list":["post-36360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","tag-home-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cottage Insurance in Canada: A Guide | RBC Insurance<\/title>\n<meta name=\"description\" content=\"How to best protect your family\u2019s home away from home\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cottage Insurance in Canada: A Guide | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"How to best protect your family\u2019s home away from home\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"Corrina Allen\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-21T14:11:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-21T20:02:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Corrina Allen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Corrina Allen\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"28 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/\"},\"author\":{\"name\":\"heathersim\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/8afd25ed45bbca8bdedb2e034515d379\"},\"headline\":\"Cottage Insurance in Canada: A Guide\",\"datePublished\":\"2026-04-21T14:11:41+00:00\",\"dateModified\":\"2026-04-21T20:02:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/\"},\"wordCount\":2163,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80\",\"keywords\":[\"Home Insurance\"],\"articleSection\":[\"Home Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/\",\"url\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/\",\"name\":\"Cottage Insurance in Canada: A Guide | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80\",\"datePublished\":\"2026-04-21T14:11:41+00:00\",\"dateModified\":\"2026-04-21T20:02:38+00:00\",\"description\":\"How to best protect your family\u2019s home away from home\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80\",\"contentUrl\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80\",\"width\":1024,\"height\":683,\"caption\":\"Cottage Insurance in Canada\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/home-insurance\\\/cottage-insurance-in-canada\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Advice &amp; Learning\",\"item\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/article-type\\\/advice-learning\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Cottage Insurance in Canada: A Guide\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#website\",\"url\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/\",\"name\":\"RBC Insurance\",\"description\":\"Personal Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#organization\",\"name\":\"RBC Insurance\",\"url\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"contentUrl\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"RBC Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"description\":\"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.\",\"telephone\":\"1-800-769-2568\",\"legalName\":\"RBC Insurance Services Inc.\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/8afd25ed45bbca8bdedb2e034515d379\",\"name\":\"heathersim\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=1285311091e249d85a89a1c2139527829f8\",\"url\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128\",\"contentUrl\":\"https:\\\/\\\/www.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128\",\"caption\":\"heathersim\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Cottage Insurance in Canada: A Guide | RBC Insurance","description":"How to best protect your family\u2019s home away from home","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/","og_locale":"en_US","og_type":"article","og_title":"Cottage Insurance in Canada: A Guide | RBC Insurance","og_description":"How to best protect your family\u2019s home away from home","og_url":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/","og_site_name":"RBC Insurance","article_author":"Corrina Allen","article_published_time":"2026-04-21T14:11:41+00:00","article_modified_time":"2026-04-21T20:02:38+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80","type":"image\/webp"}],"author":"Corrina Allen","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Corrina Allen","Est. reading time":"28 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#article","isPartOf":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/"},"author":{"name":"heathersim","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#\/schema\/person\/8afd25ed45bbca8bdedb2e034515d379"},"headline":"Cottage Insurance in Canada: A Guide","datePublished":"2026-04-21T14:11:41+00:00","dateModified":"2026-04-21T20:02:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/"},"wordCount":2163,"commentCount":0,"publisher":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#organization"},"image":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80","keywords":["Home Insurance"],"articleSection":["Home Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/","url":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/","name":"Cottage Insurance in Canada: A Guide | RBC Insurance","isPartOf":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80","datePublished":"2026-04-21T14:11:41+00:00","dateModified":"2026-04-21T20:02:38+00:00","description":"How to best protect your family\u2019s home away from home","breadcrumb":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#primaryimage","url":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80","contentUrl":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80","width":1024,"height":683,"caption":"Cottage Insurance in Canada"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/cottage-insurance-in-canada\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.rbcinsurance.com\/en-ca\/"},{"@type":"ListItem","position":2,"name":"Advice &amp; Learning","item":"https:\/\/www.rbcinsurance.com\/en-ca\/article-type\/advice-learning\/"},{"@type":"ListItem","position":3,"name":"Cottage Insurance in Canada: A Guide"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#website","url":"https:\/\/www.rbcinsurance.com\/en-ca\/","name":"RBC Insurance","description":"Personal Insurance","publisher":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcinsurance.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#organization","name":"RBC Insurance","url":"https:\/\/www.rbcinsurance.com\/en-ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","contentUrl":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","width":"1024","height":"1024","caption":"RBC Insurance"},"image":{"@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/"},"description":"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.","telephone":"1-800-769-2568","legalName":"RBC Insurance Services Inc.","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}},{"@type":"Person","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/#\/schema\/person\/8afd25ed45bbca8bdedb2e034515d379","name":"heathersim","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=1285311091e249d85a89a1c2139527829f8","url":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","contentUrl":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","caption":"heathersim"}}]}},"jetpack_featured_media_url":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Cottage-Insurance-in-Canada-A-Guide.webp?quality=80","jetpack_sharing_enabled":true,"authors":[{"term_id":184,"user_id":0,"is_guest":1,"slug":"corrina-allen","display_name":"Corrina Allen","avatar_url":{"url":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Corrina-Allen.webp?quality=80&w=363","url2x":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Corrina-Allen.webp?quality=80&w=363"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/36360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/users\/203"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/comments?post=36360"}],"version-history":[{"count":19,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/36360\/revisions"}],"predecessor-version":[{"id":36431,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/36360\/revisions\/36431"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media\/36391"}],"wp:attachment":[{"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media?parent=36360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/categories?post=36360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/tags?post=36360"},{"taxonomy":"article-type","embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/article-type?post=36360"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/ppma_author?post=36360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}