Cottage homes are an excellent way to get away from the hustle and bustle of everyday life and relax. Whether used only during the summer months or sporadically throughout the year, your home away from home deserves the same insurance consideration as your other possessions. As an owner, it pays to consider the amount of time your property gets used, what outbuildings there are, and the replacement costs if disaster strikes. At TSG Insurance, our experienced and dedicated team can tailor insurance services that will protect your vacation haven in Calgary, Brooks, or Medicine Hat.
Enjoy Your Cottage with Financial Planning and the Right Insurance
Some insurance companies provide vacation or cottage home insurance as part of your regular homeowner’s insurance. This can be convenient, but it may not give you the best protection. Consider these four areas when insuring your cottage:
- Seasonal Coverage: Because your vacation home is empty for parts of the year, your insurance needs vary from regular homeowner’s insurance. Seasonal coverage can vary between insurers, but basic protection may include fire, plumbing failure, damage from animals, smoke, or snow load collapsing your roof.
- Theft and Vandalism: Since a cottage getaway is not occupied all the time, it is more susceptible to theft and vandalism. Having primary coverage can help ease your mind if your home is vandalized or theft
- Lakefront Properties: If you own a lakefront property, you probably have additional leisure equipment and recreational vehicles that need to be insured. The right policy can meet the other needs of covering boathouses, docks, boats, and watercrafts. We can help you with insurance quotes to cover all your recreational accessories.
- Renting Out Vacation Property: Renting out your vacation property to friends and family may be a way to offset property taxes and pay for the upkeep of the property. However, you may not be covered in the event a family member or friend is injured on your seasonal property. It is a smart financial planning decision to cover such liabilities.
Trust TSG Insurance to Help Protect Your Vacation Home
TSG Insurance has provided insurance protection policies and financial guidance to southern Alberta residents for more than 30 years. We understand that vacation homes should be relaxing. We can ease the burden of being uninsured or under-insured. Our local, independently run offices are committed to supporting the seasonal needs of the Brooks, Calgary, and Medicine Hat communities. You can rely on us for your cottage insurance services and financial planning needs. We will answer your questions and discuss the best options for your home away from home.
Reach us online today, and we will get back to you as soon as possible. You can also call us toll-free at 800-830-9423 to make an appointment to meet with our experienced vacation insurance advisors at our Medicine Hat, Calgary, Brooks, Bassano, or Edmonton locations.