{"id":20015,"date":"2021-05-05T13:32:52","date_gmt":"2021-05-05T17:32:52","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/"},"modified":"2026-04-17T13:25:39","modified_gmt":"2026-04-17T17:25:39","slug":"your-first-cottage-insurance-what-you-need-to-know-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/","title":{"rendered":"Your First Cottage Insurance: What You Need to Know"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/votre-premiere-assurance-chalet-ce-que-vous-devez-savoir\/#article\", \"headline\": \"Votre premi\u00e8re assurance chalet: Ce que vous devez savoir\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/votre-premiere-assurance-chalet-ce-que-vous-devez-savoir\/\", \"datePublished\": \"2021-05-05T13:32:52\", \"dateModified\": \"2026-03-27T12:21:27\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 depuis plus de 30 ans.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"Assurez votre chalet et naviguez entre r\u00e9sidence saisonni\u00e8re et secondaire. Obtenez des conseils pour choisir la couverture id\u00e9ale et s\u00e9curiser votre retraite.\"}\n<\/script>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/#Cottage-insurance\" >Cottage insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/#Second-or-seasonal-home-insurance-but-how\" >Second or seasonal home insurance, but how?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/#What-insurance-coverage-do-I-need\" >What insurance coverage do I need?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/#Special-features-of-the-chalet\" >Special features of the chalet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cottage-insurance\"><\/span>Cottage insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Owners of a new cottage should think about taking out insurance for this type of home. In general, this coverage is designated by seasonal home insurance or cottage insurance. To better understand the level of coverage and the type of protection it offers, here are some clarifications on this subject as well as advice and answers to questions from owners wishing to take out <a href=\"https:\/\/www.assur360.ca\/en\/cottage-insurance-2\/\">cottage insurance<\/a>.  <\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/04\/meilleur-assurance-chalet.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/04\/meilleur-assurance-chalet.jpg\" alt=\"Cottage insurance\" class=\"wp-image-5414\" title=\"Cottage Insurance Broker\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Second-or-seasonal-home-insurance-but-how\"><\/span>Second or seasonal home insurance, but how?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Before subscribing to cottage protection, it is important to define whether it is a second or seasonal residence, so it would be relevant to discuss it with the insurance broker or representative. Here are some points to clarify with an insurer: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Seasonal residence<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">It is important to know the criteria for deciding whether the cottage is a seasonal or secondary residence. It is necessary to ensure that the residence is accessible at all times or seasonally with 2 to 3 visits scheduled each year. Such information makes it possible to classify the habitat as a seasonal or secondary residence.  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Second home<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">When we talk about a second home, it is a home that is regularly occupied during the year. This is the case, for example, with a chalet used on weekends or several days a month. <\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/04\/soumission-residence-secondaire.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/04\/soumission-residence-secondaire.jpg\" alt=\"Second Home Insurance Quote\" class=\"wp-image-5413\" title=\"Home insurer\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-insurance-coverage-do-I-need\"><\/span>What insurance coverage do I need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">It is essential to ask the insurance broker or representative about the appropriate coverage for each type of residence.<\/p>\n\n<h3 class=\"wp-block-heading\">Seasonal Home Insurance<\/h3>\n\n<p class=\"wp-block-paragraph\">Generally speaking, insurance for a seasonal residence can be less expensive than insurance for <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/umbrella-insurance-2\/\">a second home<\/a>. This is because the hedge is tied to only a certain number of risks. These include fires, windstorms, lightning and hail. Since the habitat remains unoccupied for a good part of the year, some risks are not covered. This is precisely the case with theft, vandalism and freezing of pipes.    <\/p>\n\n<p class=\"wp-block-paragraph\">In view of this particularity in the roof, it is important to take sufficient precautions with such a residence. Indeed, it is necessary to be vigilant by avoiding leaving valuable goods and equipment there when it is unoccupied. It is also advisable to drain the water from the pipes before winter. And if necessary, do not hesitate to add additional guarantees to better cover the seasonal residence.   <\/p>\n\n<h3 class=\"wp-block-heading\">Second home insurance<\/h3>\n\n<p class=\"wp-block-paragraph\">In the event that the owner regularly occupies his chalet, he can take out insurance with the same coverage as a main residence, with the possibility of customising the guarantees according to the second home. There is even the possibility of subscribing to a more comprehensive protection commonly known as &#8220;all risks&#8221;, provided that the eligibility conditions required by the insurer are met. These include the regular and year-round occupation of the chalet, compliance with building standards and the non-rental of the home to a third party.  <\/p>\n\n<p class=\"wp-block-paragraph\">It is very common for insurers to require the insured to take out primary home coverage before covering a second or seasonal residence. This constraint can prove to be a blessing in the end, especially in the event of a claim. <\/p>\n\n<h3 class=\"wp-block-heading\">Renting your cottage<\/h3>\n\n<p class=\"wp-block-paragraph\"><a title=\"Rent a chalet\" href=\"https:\/\/www.sepaq.com\/reservation\/chalet.dot?language_id=2\" target=\"_blank\" rel=\"nofollow noopener\">Renting<\/a> a cottage, whether as part of a seasonal or secondary residence, is not acceptable for many insurers. Still, it&#8217;s not impossible. The trick is to inform the insurer to adjust the coverage according to this situation.  <\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/04\/residence-secondaire.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/04\/residence-secondaire.jpg\" alt=\"Second home insurance estimate\" class=\"wp-image-5412\" title=\"Cheap Chalet Broker\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Special-features-of-the-chalet\"><\/span>Special features of the chalet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">It is important for any homeowner to specify the specific characteristics of their cottage when shopping for seasonal or secondary home insurance. Among the particularities to be specified, there are: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Proximity to a lake or river<\/li>\n\n\n\n<li>The presence of neighbors in the vicinity and how far away?<\/li>\n\n\n\n<li>The geographic area where the cottage is located and the environment surrounding the habitat, in this case, forest, village, etc.<\/li>\n\n\n\n<li>The level of use of the habitat<\/li>\n\n\n\n<li>The regulations in force in the surrounding area, especially with regard to fire, animals, etc.<\/li>\n\n\n\n<li>Ease of access<\/li>\n\n\n\n<li>Activities in the surrounding area such as fishing, swimming, skiing, among others.<\/li>\n\n\n\n<li>The heating system and the equipment used.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">By informing <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/\">the insurance broker or representative<\/a> about the particularities of the residence, this will allow him to offer coverage that is more adapted to the needs of the home and to prevent any unforeseen events.<\/p>\n\n<h3 class=\"wp-block-heading\">Equipment coverage<\/h3>\n\n<p class=\"wp-block-paragraph\">It is important to insure the equipment present in the chalet. It can be equipment that can be used for the functionality of the premises or for leisure. Among these amenities are a rowboat, a pontoon, a spa, a kayak, a pedal boat, skis, an outdoor fireplace, among others. By informing the insurer of these equipment and belongings, the owner can benefit from more appropriate coverage to protect the objects within the residence.   <\/p>\n\n<h3 class=\"wp-block-heading\">Expensive but important<\/h3>\n\n<p class=\"wp-block-paragraph\">It should be noted that coverage for second or seasonal residences costs more <a href=\"https:\/\/www.assur360.ca\/en\/cheap-home-insurance-4\/\">than<\/a> insurance for a primary residence. This is because chalets are more exposed to different risks, as they are not always occupied and are often located in remote areas. <\/p>\n\n<h3 class=\"wp-block-heading\">Transportation of goods to the second or seasonal residence<\/h3>\n\n<p class=\"wp-block-paragraph\">Many people choose to carry several pieces of equipment and belongings each time they go to the cottage. These items are covered by primary home insurance. However, it is advisable to talk to the insurer to be reassured.  <\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>Need a quote?<\/strong> Compare the best prices with Assur360: <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> | <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Online Home Quote<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details id=\"combien-coute-une-assurance-habitation-au-quebec-en-2026\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does home insurance cost in Quebec in 2026?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">The average price of home insurance in Quebec is between $800 and $2,000 per year, depending on the value of the property, the location, the deductible and the coverage chosen. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Get a free quote<\/a> to find out your exact price.<\/p>\n<\/details>\n\n<details id=\"quelles-sont-les-protections-incluses-dans-une-assurance-hab\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What coverage is included in home insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Standard home insurance typically covers fire, theft, vandalism, water damage (except sewer backup, optional), liability, and living expenses if your home is uninhabitable. Check the exclusions with your broker. <\/p>\n<\/details>\n\n<details id=\"est-il-obligatoire-davoir-une-assurance-habitation-au-quebec\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Est-il obligatoire d&#x27;avoir une assurance habitation au Qu\u00e9bec ?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Home insurance is not legally mandatory in Quebec, but it is required by almost all mortgage lenders. For tenants, it is highly recommended to protect your property and civil liability. <\/p>\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance habitation au Qu\u00e9bec en 2026 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le prix moyen d'une assurance habitation au Qu\u00e9bec se situe entre 800 $ et 2 000 $ par ann\u00e9e, selon la valeur de la propri\u00e9t\u00e9, l'emplacement, la franchise et les protections choisies. Obtenez une soumission gratuite pour conna\u00eetre votre prix exact.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles sont les protections incluses dans une assurance habitation ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Une assurance habitation standard couvre g\u00e9n\u00e9ralement l'incendie, le vol, le vandalisme, les d\u00e9g\u00e2ts d'eau (sauf refoulement d'\u00e9gout, en option), la responsabilit\u00e9 civile et les frais de subsistance si votre domicile est inhabitable. V\u00e9rifiez les exclusions avec votre courtier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-il obligatoire d'avoir une assurance habitation au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance habitation n'est pas l\u00e9galement obligatoire au Qu\u00e9bec, mais elle est exig\u00e9e par la quasi-totalit\u00e9 des pr\u00eateurs hypoth\u00e9caires. Pour les locataires, elle est fortement recommand\u00e9e pour prot\u00e9ger vos biens et votre responsabilit\u00e9 civile.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Cottage insurance Owners of a new cottage should think about taking out insurance for this type of home. In general, this coverage [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14729,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Cottage Insurance in Quebec \u2014 A Guide for Homeowners | Assur360","_seopress_titles_desc":"Insure your cottage and navigate between seasonal and secondary residences. Get advice on choosing the ideal coverage and securing your retirement. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Your First Cottage Insurance: What You Need to Know","_seopress_social_fb_desc":"Compare the best cottage insurance offers in Quebec. AMF certified broker.  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