Cottage Insurance

As a Muskoka Insurance Broker we would love to provide insurance for your cottage or seasonal home. Do you know what your policy really covers? All insurance policies do not offer the same protection. Do you have the best coverage available at the best price?

The HRC Advantage

We offer a variety of additional coverage specific for protecting your cottage, including,

  • Coverage for weekly rental
  • Guaranteed replacement cost on your island cottage
  • Septic/Sewer backup
  • Frozen pipes

We further offer discounts for those who have,

  • A responding fireboat on their lake
  • A membership to a lake association recognized by FOCA

Talk to us and see how we can help you!



Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.