insuRance iq
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Surf, Sand and Security
Insurance needs for seasonal homeowners
By Carly peters
Cottage life is typiCally all about
sun, sand and stress-free days. To make
sure that peace of mind isn’t shattered
by a mishap, seasonal homeowners
need to make sure they are properly
protected with the right insurance for
their summer home and its contents.
Buying insurance for a cottage
is very similar to buying insurance
for your home. In fact, it is a fairly
standard insurance practice that
the seasonal home be added as a
secondary property on a primary
residence insurance policy, explains
Lori Madsen, director of CAA
Saskatchewan Insurance Services.
Coverage can include guaranteed
replacement cost on the building
and replacement cost on contents.
Summer
Toys
additional
coverage
for summer
gear
RVs: Including
trailers and
motorhomes
Boats: on a
stand-alone basis
or combined
with your home,
tenant or condo
policy
This includes a percentage of coverage
for detached private structures like
garages, boathouses or sheds.
The seasonal property should be Untitled-6
visited regularly throughout the year.
It’s advisable to check on the cottage at
least once during the heating season.
To ensure you consider all available
options, speak to your insurance broker
about seasonal property, including con-
tents and any recreational toys you own.
Treating your cottage as a home-
away-from-home means making
sure your coverage matches that
sentiment. Because accidents don’t
take vacations.
Get a quote online: caask.ca/insurance
or call 1 -800-564-6222 (ext. 2)
Watercraft:
Including jet
skis, houseboats,
sailboats and
high-performance
boats, on a stand-
alone basis
Motorized golf
carts: Could be
included with
limited coverage
that may be
increased
For more
details, connect
with your CAA
insurance broker
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