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PROTECT
WHAT YOU
LOVE

Cottage Insurance

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If you’re shopping around, feel free to request a quote or give us a call and we are happy to have a chat about your options.

As your special home away from home, your cottage deserves the right level of protection – especially during the off-season when you may not be around as much.

Let one of our brokers help you create a cottage insurance plan that is customized, flexible, and affordable. We can also help you find extended coverage for any detached buildings, boathouses, or sheds.

If you’re ready to explore your options today, our brokers are here to help! Feel free to request a quote or give us a call and we are happy to have a chat.

“I have been with Dorchester Insurance Brokers since my first car and first home years ago and they have always been helpful. It’s great to tell Derek what I need and he figures out what works best for my situation. I wouldn’t think of looking elsewhere.”

Johnathon B – London

Client since 2008

Frequently Asked Questions

PROPERTY

  • If your property has just been damaged or broken into, the most important thing to remember is to stay calm. You should then check for injuries and contact the police immediately if someone is injured or if you are in danger.
  • Once everyone is safe, you should secure the property by double checking that all windows, doors, and gates are intact. If your property has been severely damaged, contact an emergency claims service provider immediately.

Sewer back up coverage also includes the backing up of sewers, septic, drains, eavestrough and downspouts.

If your property was damaged or broken into, you should do the following:

  • Document exactly what happened
  • Note the time and location of the incident
  • Take as many pictures/videos of the damage as possible
  • Make a list of any items that are damaged or missing
  • Keep all receipts of any expenses associated with the incident
  • Keep a record of any investigating officers including name, badge number, and occurrence number.

Your home is insured to the amount of coverage needed to rebuild your home from scratch in the event of a total loss. This factors in things like labor costs, debris removal and material costs. It is often higher because it is serving a different purpose than a tax assessment or a real estate evaluation.

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