Cottage Insurance in Ontario

Year-round insurance coverage for your seasonal home

Enhanced coverage for your seasonal home with add-ons for even more protection

Our seasonal home insurance policy provides much of the same coverage as our standard home insurance policies so that you get comprehensive coverage for your cottage.

What’s covered


The cottage and other structures on your property such as owned docks and boathouses.


Belongings such as clothes, furniture, and appliances.

Additional Living Expenses

Additional expenses for temporary accommodations if you need to leave your home after a covered claim, or if you are under a mandatory evacuation order.

Premises Liability

Legal costs if you’re sued for accidentally injuring someone physically or damaging their property within your premises.

Optional add-ons for enhanced cottage insurance coverage in Ontario

We have optional coverages, also known as endorsements, that you can add to a cottage insurance policy for more protection.

Water coverage

Enhanced coverage to protect you against loss or damage caused by water.

Claim-free discount protector

Protects your claim-free discount after your first covered claim.

Disappearing deductible

Your policy deductible decreases by 20% each year you are claim-free until it is zero.

Course of construction

Worry-free coverage whether you’re building a new cottage or making major renovations to your current one.

Extra protection for your home away from home with our VIP Endorsement

Our VIP Endorsement offers you more coverage and higher coverage amounts for your cottage.

Home insurance in Ontario

Make sure your most valued asset has the protection it needs.

Cottage insurance in Ontario

With Gore Mutual, you get:

Protection for what matters most

Enhanced cottage insurance coverage with add-ons for more protection.

Exceptional claims service

Dedicated and knowledgeable Claim Advisors to help you through a claim.

Ways to save

Additional savings if you bundle your car and home insurance, or if you insure more than one property with us.

For our broker partners

Get to know more about our seasonal homeowners offering

This product brochure has been developed for and is for exclusive use by licensed insurance brokers with a Gore Mutual Insurance Company distribution agreement. Interested customers should contact their insurance broker for further product information.

The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions. Please contact your insurance broker for complete details or if you would like to learn more.