Reliable Insurance for Cottages and Seasonal Homes
Your cottage is not just a getaway; it’s the place where you create lasting memories.
At Oegema, Nicholson & Associates we offer customizable cottage and seasonal home insurance tailored to the unique needs of secondary homes across Ontario.
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Home Insurance
Whether it’s a tranquil lakeside cabin or a vibrant family retreat, your home away from home deserves the same level of protection as your primary residence
A cottage, lakehouse, or seasonal home is your sanctuary. It’s the place where summer memories are made, family gathers around the campfire, and everyday stress melts away. But just like your primary residence, your recreational property deserves strong, tailored protection.
At Oegema, Nicholson & Associates we specialize in providing custom seasonal home insurance for Ontario and Quebec residents.
Whether you use your cottage year-round or only a few weeks each summer, our plans offer the flexibility and peace of mind you need to protect your investment, even while you’re away.
What Does Seasonal Home Insurance Cover?
Like typical home insurance, seasonal home insurance covers many aspects of your home, including:
Coverage for Your Seasonal Home
- Structural damage caused by fire, wind, hail, or falling trees
- Theft or vandalism while you’re away
- Weather-related damage
- Detached buildings and outbuildings like sheds, docks, and gazebos
Coverage for Your
Belongings
- Personal items like furniture, clothing, and kitchen supplies
- Valuables stored on the property
- Sporting goods and hobby gear (canoes, fishing rods, etc.)
Liability
Coverage
Accidents happen—even in paradise. Liability insurance protects you if someone is injured on your seasonal property, whether you’re there at the time or not.
This coverage includes:
- Medical expenses if a guest is hurt
- Legal fees if you’re sued due to an injury or accident
This kind of coverage is critical if your cottage is shared with extended family, friends, or guests.
How Much Coverage Do I Need?
Choosing the right level of protection depends on how and when you use your seasonal property. No two circumstances are the same, and so a customized insurance plan is the best.
When considering the level of insurance you need, ask yourself:
- How often is the property used throughout the year?
- Do you own it as a second home, or is it used only seasonally?
- Do you rent it out occasionally or list it on short-term rental platforms?
Even if you are unsure how much coverage you need, you don’t have to worry. The friendly and accessible team at Oegema, Nicholson will explore your options, and help you decide the best coverage for your specific needs.
Renting Out Your Cottage? Here's What to Know
Do you or are you thinking of renting your seasonal home to offset costs? That’s smart, but insurance companies need to know. Renting your cottage without informing your insurer could void your coverage.
Oegema, Nicholson can connect you with policies that support short-term and long-term rental use.
Is Regular Check-In Required?
Yes. Most seasonal home insurance policies require that your property be checked periodically. This might mean having a friend or neighbour stop by every 30 days, installing a security camera or alarm system, or documenting your own visits with photos and logs.
Failure to visit or monitor your seasonal home regularly can result in denied claims. For example, if a pipe bursts in January and you don’t discover it until spring, the damage may not be covered.
The length of time your seasonal home or cottage can sit unattended should be spelled out in your policy. If you are uncertain, the brokers at Oegema, Nicholson can walk you through all the fine print so there is no confusion and you can have the coverage you deserve.
Why Choose Oegema, Nicholson & Associates?
For over 55 years, families in Eastern Ontario and Western Quebec have trusted us to protect their homes, cottages, and everything in between.
When you work with Oegema, Nicholson & Associates you’re not dealing with a call centre, you’re working with real people who live and work in your community.
And because we have access to Canada’s top insurers, we can find the perfect policies to protect your interests.
Whether you’re insuring a lakeside cabin, a ski chalet, or a summer cottage, we’ll find the best seasonal home insurance on the market, create a customized policy that fits your property, your budget, and your lifestyle.
Protect your seasonal home, no matter the season.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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