• Schedule A Call

  • 55 Crockford Blvd,
    Scarborough, ON M1R 3B7

  • Our Working Hours
    Mon - Sat: 8 am - 6 pm

Cottage Insurance

Cottage Insurance

Make sure this cottage season is smooth sailing!

At POLICYDIRCT,  We Know Your Living Situation Is As Unique As You Are.


We can assist you with customizing your policy, to cover the things that are most important to you.

From BBQ fires to damaged kayaks, anything can happen when you rent your cottage to others. Short-term rental insurance from POLICYDIRECT provides the extra protection needed to cover you in the event that something does happen while renting out your beloved cottage.

Your cottage is not only a sentimental treasure but also a valuable asset. If you spend just a few months of the year there or use it year round, it’s important to ensure that it is insured.

We will shop our network of trusted home insurance companies to provide all the coverage you need with a variety of great discounts to fit your budget. Allow us to assess your property risks and value so that we can customize a policy designed with the level of protection you require for peace of mind.

Why I Need Cottage Insurance?


You must let your holiday home insurance provider know if you rent your cottage out to others. Your insurance broker can confirm if it is permitted by your insurer and make sure you have appropriate coverage. If you rent your cottage to others such as through Air BnB, it is imperative to get third party liability to protect you if they are injured on your property.

Broad Coverage gives you extended protection for your year-round cottage. It includes coverage for detached buildings, like a boathouse or shed, as well as your belongings.

Basic Coverage protects seasonal cottages and your belongings. This plan gives you the option to add protection for seasonal detached buildings.


Up to 30% on home & 18% on car insurance

Save big by bundling

Up to 20% Mobile Application

Save big by Free App


We Care About Your Life’s Important Things. Expert Advice with Superior, Honest Solutions – Reliable, Essential and Yearlong Service. At PolicyDirect, we’ve made the process of buying insurance as easy and painless as possible.

How Much Does Cottage Property Insurance Cost?

Insuring your property can avoid unwanted repair or replacement bills in the future. There are several factors that influence the cost of your cottage insurance.


In addition, similar to your household insurance there are factors that are related to the property itself.

 This includes:

  • Location
  • Heating
  • Electrical
  • Plumbing
  • Building Material
  • Replacement Cost

There are several things to consider when getting second home insurance so be sure to contact us today so they can help you.

Customized Insurance Offering By Policydirect

Policydirect compare products and pricing across several insurance companies and suggests thatfits your requirements.

Canada’s Leading Insurance Broker

A simple promise : We'll be there when you need us most. When there is if in Life, you can count on PolicyDirect.

No Obligation, Financial Analysis

We can assist you in reaching your financial goals with personalized financial pathway that meets your unique needs & goals.

Pain-Free Insurance Solutions For Everything

Get your auto, Property, Travel, Life, Health, Business insurance quote. Your one-stop-solution for all your insurance needs.

Need Insurance Answers Now

Need insurance answers now?

Call +1 (647) 274- 9670 to speak to our licensed advisors right away, or book some time with them.

Working Steps We Follow

Understand Need
Get Quote Quickly
Guide on Product
Submit an Application
Globaly trusted

Customized Insurance Offerings

Ready To Boost Your Career?

When you join PolicyDirect, you’ll get more than a job. You’ll get a career.


What Our Loving
Clients Saying

Tempor incididunt ut labore et dolore magna aliquat enim veniam quis nostrud exercitation ullamco laboris nis aliquip consequat duis aute irure dolor voluptate.

Committed to Savings

Insurance For Car, Home, Travel, Life & More, Get the most accurate estimate for your insurance needs.

  • Company Head Office

    55 Crockford Blvd,Scarborough, ON M1R 3B7

  • Request a Callback

    +1 (647) 274 9670

  • Email Support


  • Get Free Quote

Select a product to start a quote. Or call us at 647-274-9670

    What is 2 x 7 ?

    read latest articles

    What’s Happening

    What’s happening right now in the world you know about that please go to our blog or website and read carefully because our researchers research which way the world is moving.

    We help you to unlock & unleash the power within.


    Policies Completed


    Trusted Customers


    All Your Insurance Needs


    Client Satisfaction