North City Insurance Brokers

Toll Free: 1-888-892-7176


“North City offers you professional service and exceptional savings!”

Along with your home, a cottage also represents a large portion of your net worth. Be sure to protect it with the right insurance policy.

North City offers great coverage at the best rates.

Our licensed insurance brokers are available to answer any of your questions, or to help you with a cottage insurance quote.

Call us at 1-888-892-7176.

Cottage Insurance

How to approach Cottage Insurance

  • Commonly, a cottage will be insured as a “Seasonal” location and coverage will usually be restricted to “Fire and Extended Coverage” only.
  • This can allow you to pay only one liability premium and you may be able to split the contents between both locations. However, the insurer may not allow this if the property is only visited a few months during the year.
  • The best approach – list the cottage on your Home insurance policy as a “Secondary” location.
  • Among other issues will be: Not within 8 km of a fire hall, Not permanently occupied, Water access only, Road not maintained year round.

How to reduce your cottage insurance?

  • Make sure you are receiving all the discounts you are entitled to including mature citizen, non-smoker and claim free.
  • Insure your cottage with the same company that insures your home and auto to qualify for a multi-policy discount.
  • Increase your deductible to $1,000.

The North City Advantage

  • Three decades of experience
  • Tailored and competitive programs
  • Exceptional savings
  • We’re here to serve you
  • Personalized broker service
  • Group membership offers benefits

Get a quote

North City Stories

I was involved in a terrible MVC with a drunk driver. It was one of the worst days of my life. As a Paramedic, I know what happens during this type of incident. As a victim though, I had no idea what should happen next. The incredible people at North City were there for me every step of the way. Thank you so much for your help!

Geoff MacBride – Paramedic