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Cabin insurance
The right cottage insurance for your happy place.
Whether you call it a cottage, cabin, chalet, camp or the lakehouse, PC® Insurance offers a range of coverage options to help you protect your seasonal property.
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Cottage life, covered
From the long weekend to year-round living, cottage life has its surprises. Your policy is built for them:
Fire, theft, explosion and vandalism
Lightning, hail and windstorm damage
Damage from falling objects
Impact from aircraft, watercraft or vehicles
Building collapse
Damage caused by bears, raccoons and squirrels
And more...
Cottage life, covered
From the long weekend to year-round living, cottage life has its surprises. Your policy is built for them:
Fire, theft, explosion and vandalism
Lightning, hail and windstorm damage
Damage from falling objects
Impact from aircraft, watercraft or vehicles
Building collapse
Damage caused by bears, raccoons and squirrels
And more...
Included coverage you might not expect
Beyond the building itself, seasonal home insurance can also include:
Docks, hot tubs, sheds and bunkies
Lock replacement
Frozen food protection
By-law coverage
Included coverage you might not expect
Beyond the building itself, seasonal home insurance can also include:
Docks, hot tubs, sheds and bunkies
Lock replacement
Frozen food protection
By-law coverage
Water protection add-ons
Customize your coverage with:
Sewer backup: damage from a backed-up sewer, septic system or sump pump.
Overland water: damage from overflowing bodies of water, surface water runoff or ground water entering through walls or foundations.
Service line: damage from ground water entering through a failed underground service line.
Water protection add-ons
Customize your coverage with:
Sewer backup: damage from a backed-up sewer, septic system or sump pump.
Overland water: damage from overflowing bodies of water, surface water runoff or ground water entering through walls or foundations.
Service line: damage from ground water entering through a failed underground service line.
Ready to protect your cottage? Get an online quote in minutes.
Get a quoteDouble your rewards
Get 2x the regular PC Optimum™ points for every dollar spent when you pay your insurance premiums annually with your PC® Mastercard®* or your PC Money™ Account*.
Learn more
FAQs
Like home insurance, the cost of cottage and cabin insurance depends on factors specific to your property. Location, replacement value, age and construction, your chosen coverage limits and deductible, and any potential add-ons all factor in. Things like the distance to the nearest fire station or if your property is located in a known wildfire zone are factors that impact the cost to insure your cottage. The fastest way to find out what your policy will cost is to get a quote online or by calling 1-877-253-8177.
Yes. Cottage insurance is available across Ontario, including cottage country regions like Muskoka, Haliburton and the Kawarthas.
Yes. Cabin insurance is available throughout British Columbia. Online quotes for properties in BC aren’t currently available; however, a PC® Insurance Advisor would be happy to walk you through your options and set up your policy by phone. Call 1-877-253-8133 to speak to a PC® Insurance Advisor.
The main difference comes down to occupancy. A seasonal home is used occasionally (like a summer cottage), while a secondary home is used more regularly throughout the year. Whether your property is a seasonal home or a secondary home, PC® Insurance offers coverage for both. Call 1-877-253-8133 and speak to a PC® Insurance Advisor to find the right policy for you.
Your coverage continues even when your cottage or cabin sits unoccupied through the winter, as long as you’ve properly prepared the property to handle the elements. It’s worth speaking with a PC® Insurance Advisor to confirm what’s required for your specific property.
Like any insurance policy, there are exclusions. Common exclusions include wear and tear, damage from insufficient winterization, and certain types of water damage. For full cottage or cabin policy details, call 1-877-253-8133 to speak to a PC® Insurance Advisor
Legal details
Important Information on Products, Discounts, and Services by PC Financial Insurance Agency Inc.
Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy. This page provides, for information purposes only, a summary of our different insurance products and discounts that may be available to you. If you purchase a product, the terms and conditions of your insurance coverage will be outlined in your insurance policy, which will prevail. Certain conditions, limitations, and exclusions apply. Savings are not guaranteed and vary based on your profile, place of residence, and, where applicable, year, make and model of your vehicles. Rates, discounts, and eligibility rules are subject to change without notice. Please speak to a PC® Insurance Advisor to learn more.
*All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar and all purchases with the PC Money™ Account earn a minimum of 5 PC Optimum™ points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® card, earn double the regular PC Optimum™ points per dollar (20 points per dollar for PC Financial® Mastercard® and 10 points per dollar for PC Money™ Account). PC Optimum™ points are awarded exclusively by President’s Choice Services Inc. This is not an offer provided by any other entity. PC Money™ Account points offer is available only with Aviva General Insurance Company policies entered into after January 20, 2025. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores. You can redeem the PC Optimum™ points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
†Details on Potential Savings
Save up to $890 on PC® Home and Auto Insurance
PC Optimum™ members could have a combined savings of up to $890 on their homeowner’s and car insurance policies if they are eligible for the following discounts: Combined Policy Discounts by purchasing home and auto insurance together, Claims Free Discount for homeowners, Conviction Free Discount, and Affinity Discount for PC Optimum™ members. Customers may be eligible for other discounts on their car or home insurance such as the Electric Vehicle Discount, Hybrid Vehicle Discount, Winter Tire Discount, Mortgage Free Discount and Multi Product Discount. Savings are based on rates in force as of July 2025. Savings are calculated by determining the average base premium PC® Insurance customers with one car insurance policy and one homeowner insurance policy would have paid if they were not eligible for the discounts. Discounts may not apply to all coverages and endorsements. PC Optimum™ members must be in good standing to be eligible for the Affinity Discount. Certain conditions, limitations, and exclusions apply. Condominium and tenant insurance policies are excluded from this savings calculation. For detailed information about how savings could apply to you, including saving opportunities for condominium owners and tenants, speak with a PC® Insurance advisor.
Save up to $1,000 on PC® Home and Auto Insurance in Toronto
PC Optimum™ members in Toronto could have a combined savings of up to $1,000 on their homeowner’s and car insurance policies if they are eligible for the following discounts: Combined Policy Discounts by purchasing home and auto insurance together, Claims Free Discount for homeowners, Conviction Free Discount, and Affinity Discount for PC Optimum™ members. Customers may be eligible for other discounts on their car or home insurance such as the Electric Vehicle Discount, Hybrid Vehicle Discount, Winter Tire Discount, Mortgage Free Discount and Multi Product Discount. Savings are based on rates in force as of July 2025. Savings are calculated by determining the average base premium PC® Insurance customers with one car insurance policy and one homeowner insurance policy would have paid if they were not eligible for the discounts. Discounts may not apply to all coverages and endorsements. PC Optimum™ members must be in good standing to be eligible for the Affinity Discount. Certain conditions, limitations, and exclusions apply. Condominium and tenant insurance policies are excluded from this savings calculation. For detailed information about how savings could apply to you, including saving opportunities for condominium owners and tenants, speak with a PC® Insurance advisor.
Save up to $150 on PC® Homeowner’s Insurance in British Columbia, Saskatchewan and Manitoba
PC Optimum™ members could save up to $150 on their primary homeowner’s insurance policy if they are eligible for the following discounts: Claims Free Discount for homeowners and Affinity Discount for PC Optimum™ members. In British Columbia, savings for being claims-free have already been factored into the premium rating calculations for homeowner’s policies. Customers may be eligible for other discounts on their homeowner’s insurance such as the Mortgage Free Discount and Multi Product Discount. Savings are based on rates in force as of July 2025. Savings are calculated by determining the average base premium PC® Insurance customers with a homeowner insurance policy would have paid if they were not eligible for the discounts. Discounts may not apply to all coverages and endorsements. PC Optimum™ members must be in good standing to be eligible for the Affinity Discount. Certain conditions, limitations, and exclusions apply. Condominium and tenant insurance policies are excluded from this savings calculation. For detailed information about how savings could apply to you, including saving opportunities for condominium owners and tenants, speak with a PC® Insurance advisor.
Save up to 35% on PC® Home and Auto Insurance
PC Optimum™ members could save up to 35% on their homeowner’s, condominium, or tenant insurance policy if they are eligible for the following discounts: Claims Free Discount, Combined Policy Discount by purchasing home and auto insurance together, and Affinity Discount for PC Optimum™ members. PC Optimum™ members may also save up to 35% on their car insurance policies if they are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount by purchasing auto and home insurance together, and Affinity Discount for PC Optimum™ members. Customers may be eligible for other discounts on their car or home insurance such as the Electric Vehicle Discount, Hybrid Vehicle Discount, Winter Tire Discount, Mortgage Free Discount and Multi Product Discount. Total available discounts are in comparison to the base premium PC® Insurance customers would have paid if they were not eligible for the discounts. Discounts may not apply to all coverages and endorsements. PC Optimum™ members must be in good standing to be eligible for the Affinity Discount. Certain conditions, limitations, and exclusions apply. For further information, see More Information Section below.
Affinity Discount for PC Optimum™ Members
PC Optimum™ members in good standing could benefit from an Affinity Discount on their homeowner’s, condominium, and tenant insurance in all provinces and territories, except Quebec where PC® Insurance is not available. Additionally, an Affinity Discount could apply on car insurance for PC Optimum™ members in the following provinces and territories: Alberta, Ontario, Nova Scotia, Prince Edward Island, Yukon, Northwest Territories, and Nunavut.
Save up to 25% on PC® Motorcycle Insurance
You could save up to 25% on your motorcycle insurance when combining the following discounts: Loyalty, Conviction Free, Motorcycle and Car, Motorcycle and Property, and Multi-Motorcycle. Discounts may not apply to all coverages and endorsements. Due to provincial legislation, PC® Insurance motorcycle products are not offered in British Columbia, Manitoba, and Saskatchewan. Savings are not guaranteed and vary based on your profile and place of residence. Rates, discounts, and eligibility rules are subject to change without notice. If you purchase a product, the terms and conditions of your insurance coverage will be outlined in your insurance policy, which will prevail. Certain conditions, limitations, and exclusions apply.
More Information Section
British Columbia
You can save up to 5% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Affinity Discount for PC Optimum™ members. In British Columbia, savings for being claims-free have already been factored into the premium rating calculations for homeowner’s, condominium, and tenant insurance policies.
Alberta
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Saskatchewan
You can save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount and Affinity Discount for PC Optimum™ members.
Manitoba
You can save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount and Affinity Discount for PC Optimum™ members.
Ontario
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 25% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
New Brunswick
You can save up to 35% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Nova Scotia
You can save up to 40% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Prince Edward Island
You can save up to 35% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Newfoundland and Labrador
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 35% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Northwest Territories, Yukon, and Nunavut
You can save up to 15% on car insurance if you are eligible for the Combined Policy Discount and Affinity Discount for PC Optimum™ members. You could also save up to 35% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.