Cottage and cabin insurance for Manitoba seasonal property risks
Manitoba cottages and cabins can carry different risks than a primary home, especially when they are seasonal, remote, lakefront, or left unoccupied for long periods. Owners may need coverage for fire, water damage, wind, theft, vandalism, liability, belongings, docks, boathouses, sheds, and other outbuildings.
The right cottage or cabin insurance depends on how the property is used, how often it is occupied, what belongings stay there, what additional structures are on site, and how close the property is to fire protection or other services. Westland helps Manitoba cottage and cabin owners review coverage options, understand limits and exclusions, and choose protection that fits the property, season, and budget.
Why Choose Westland?
We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert cottage and cabin insurance advisors get to know you, so that they can tailor a policy to your exact needs.
We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.
Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, Click here.
Cottage and Cabin Insurance Explained
There are so many aspects of coverage to a cottage and cabin insurance policy. Just because you may not live in a cottage or cabin year-round, that doesn’t mean it shouldn’t be protected all the time. Your cottage and cabin insurance will cover the damage to your home from any risks outlined in your policy to ensure that you’re able to get back to normal as quickly as possible. A few of the risks discussed in a policy include fire, water damage, wind, theft, and vandalism.
And that’s just the beginning. We have access to all the best home insurance products in Canada, so no matter what additional protection you need, we’re sure to have a solution for you!
As a cottage or cabin owner, you know the benefit of having a place to escape is that you don’t have to constantly bring all the belongings from your primary home to have a good time. You’ll have belongings that are specific to the décor and use of the house. You may have equipment that is specific to the activities you love to do at your cottage or cabin. It’s essential to cover all contents that remain permanently at this location. The items you continually take back and forth week after week need to be covered on your primary home insurance.
Your cottage and cabin insurance policy will extend to cover more than your “four walls.” However, depending on your property, you might want to buy additional coverage on structures. Coverage may be limited for outbuildings such as boathouses.
This coverage is one of the most important in your policy. It covers you for liability that may occur whether you are at home or away. Regardless of whether your property is used year-round or seasonally, liability coverage is important as accidents can happen anywhere, anytime. This will also cover you for any damage you may cause to a neighbour’s property.
How Much Does Cottage and Cabin Insurance Cost in Manitoba?
| Cottage and Cabin Insurance Location | Monthly Price |
| Winnipeg | $125 |
| Brandon | $89 |
| Canada | $152 |
Cottage and cabin insurance rates will vary from one city or town to the next in Manitoba. Insurance companies will use rate tables to create the price for home insurance within territories based on experience ratings, exposure to risk, claims data, etc. Pulling from our experience in Manitoba, we’ve put together examples of monthly cottage and cabin insurance prices that we see most often. For a quote specific to your needs, connect with us today!
What Factors Determine the Cost of Cottage and Cabin Insurance?
Not all cottages or cabins are the same which means not all policies will cost the same. Aside from the type of policy and coverage that you choose, factors that affect your home insurance price include:
Age of home
Depending on age, some homes may be at more risk of a claim than others
Location
Postal codes provide insight into areas prone to flooding, vandalism, and other claims made
Construction
Type of building materials used to construct your home
Claims History
There may be a discount applied if you’ve never had a claim
Credit Score
You can choose to have a soft touch credit check to apply a discount, depending on your credit score
Distance to Services
The distance from your home to a fire hydrant or a fire station affects claim risks
Review Your Insurance and Get a Quote with Westland
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect cottage and cabin insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your cottage and cabin coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!
Ways to Save on Your Cottage and Cabin Insurance in Manitoba
- Mature Customer
- Claims Free
- Local or Monitored Alarm
- Sprinkler
- Water Leak Detection Device
- Company Loyalty
- Mortgage Free • Credit Score Factor
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Claims Example
Water damage is the most common claim we see when it comes to rental properties. For example, the supply line to a toilet can erode and cause flooding throughout the rental. This causes an issue for both your renter and your income when it comes to the property. The right rental property insurance policy will help mitigate these risks and get you back to your normal as quickly as possible.
Our goal is to find the best coverage for you so that you can continue to live your life the way you want to. To learn more about being a Westland client, click here.
10 Fun Facts About Manitoba
- The word “Manitoba” means “where the spirit lives ” in the languages of the Indigenous people who first lived in the region.
- We Manitobans are not only really cool, but we’re also really diverse. Since the late 1800s, we have welcomed immigrants from all over the world, earning us the moniker “Friendly Manitoba” for our warmth towards newcomers.
- Based on the 2011 census, the top languages spoken in Manitoba are English, German, French, Tagalog (Filipino), Cree, Ukrainian, Chinese, Punjabi, Spanish, and Ojibway.
- At one point in geological history, Manitoba was an alpine province with huge mountain ranges.
- Manitoba has fewer residents but more curling clubs than Ontario and Quebec combined.
- Manitoba basks in more than 2,300 hours of bright sunshine per year, with southern Manitoba enjoying up to 16 hours of daylight during peak summer weeks.
- The town of Gimli has the largest Icelandic community outside of Iceland.
- Manitoba is called a keystone province because of its shape and position in the centre of Canada.
- On one day in 2012, in a random chain of kindness , customers at a Winnipeg Tim Hortons picked up the tab for the next customer 288 times in a row.
- The Canadian Museum for Human Rights (CMHR) is the first national museum outside of Ottawa and the only museum in the world solely dedicated to human rights.
Protect your cottage or cabin before the season starts
Whether you own a lakefront cottage, rural cabin, seasonal home, or family retreat, Westland can help you review coverage for the property, belongings, outbuildings, liability, weather damage, theft, vandalism, and time away.
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