Seasonal Dwellings
by Cansure
Property Insurance
Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, Yukon
Yes
- Home
- owner of lakeside, log, or country homes
- properties rented short-term
Product Overview
Seasonal Dwellings by Cansure offers property insurance for cottages, cabins, and log homes that are not used as a primary residence. This product is designed for owners of lakeside, log, or country homes, including those who rent out their property for short stays.
Coverage includes protection for the building, contents, and liability with optional extras available for outbuildings and watercrafts. The policy is available in most Canadian provinces and territories, including Manitoba, New Brunswick, Yukon, and Prince Edward Islands.
Eligibility is based on the type of construction, occupancy, and risk management features. Properties must meet specific guidelines, such as distance to a fire hall and regular maintenance, to be considered for the policy.
About Seasonal Dwellings by Cansure
The policy does not require a deductible, making claims more straightforward for policyholders. The application process collects details about the property, security features, and prior insurance history. The product is only available through licensed insurance brokers who have a contract with Cansure.
This insurance is a fit for those who want to protect their seasonal home or rental property. For more details or to get a quote, brokers can use the ‘Contact Underwriter for Quote’ function or review the application and factsheet linked on this page.
Seasonal Dwellings by Cansure FAQs
What is the main purpose of this product?
This Seasonal Dwellings by Cansure is designed to protect cottages, cabins, and country homes that are not used as a primary residence. The product helps owners manage risks unique to seasonal properties, including damage to buildings and personal belongings.
What types of construction are acceptable for coverage under Seasonal Dwellings by Cansure?
The program accepts frame, log, and modular homes that meet age and maintenance standards. Properties must follow specific construction and safety requirements set by the underwriter.
Can coverage be extended to include outbuildings or sheds under Seasonal Dwellings by Cansure?
Optional extras are available for outbuildings, sheds, and other structures on the property. These policy add-ons help owners protect more than just the main dwelling.
Is there a deductible for claims under this insurance?
No deductible applies to claims made under this policy. This feature makes the claims process simple and helps with budgeting for unexpected events.
Does this product offer liability protection for property owners?
Liability coverage is included with this product, helping protect owners from claims related to injuries or property damage that occur on the insured premises.
What factors determine eligibility for Cansure’s Seasonal Dwellings?
Eligibility is based on construction type, occupancy, property maintenance, and distance to fire services. The property must also meet other underwriting guidelines set by Cansure.
Is coverage available for watercraft stored at the seasonal property?
Optional coverage for watercraft can be added to the policy. This protects boats and related equipment kept at the insured location.
What is required from brokers to access Seasonal Dwellings by Cansure?
Brokers must have a contract with Cansure to offer this product. They also need to submit a completed application form with property and applicant details.
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