Cottage Insurance
HRC Cottage Insurance

Toll Free: 1-800-668-2333

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!

If my building collapses due to snow load, is it covered?

Depends on the policy. If it's a comprehensive policy, yes. Contact us to find out if you're covered.