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R.A. Hughes Insurance

Cottage Insurance Winnipeg

Ensure your cottage in Manitoba is protected with our tailored insurance solutions.
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Manitoba is home to some of the biggest and most beautiful lakes on the planet. Whether you’ve got a cottage in the Whiteshell, on Lake Winnipeg or Lake Manitoba, or even far up north, the team at R.A. Hughes has the perfect policy for your needs.
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Why Choose R.A. Hughes?

R.A. Hughes has served Manitobans for almost 100 years; we’ve been around for longer than most cottages! We know how important vacation homes are to Manitobans; our gorgeous summers are best spent down by the lake with friends and family. We’ll help you find the perfect insurance policy for your cottage.
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Coverage Details

The cost and coverage provided by cottage insurance may differ substantially from the insurance coverage offered by the property insurance you have for your primary residence. Rates differ because you won’t be living in your cottage year-round and your cottage is also more likely to be in a remote location. As such, the level of risk is quite different for a cabin or cottage than it is for a primary residence.

As with home insurance, your cottage insurance coverage will protect you if there’s damage to your building and your personal property. You’ll also gain access to liability insurance for damage or injuries that occur on your seasonal property. Here’s how it works:
Dwelling building and detached structures coverage: This is the portion of your cottage insurance that covers your cottage, any sheds, guest suites, fences, garages, and other structures.
Personal property insurance: This covers you for furniture, clothing, and other personal belongings that are located in your cottage.
Personal liability insurance: This portion of your coverage protects you if someone is hurt or someone’s property is damaged due to an accident for which you are liable in your cottage or on the property where your cottage is located.
Through our insurance partners, the team at R.A. Hughes offers three different types of coverage for your cottage:
Basic seasonal coverage covers the most basic perils, like fire and lightning damage.
Broad seasonal coverage covers all of the perils that basic seasonal insurance covers, as well as others such as impact by vehicles and falling objects.
Seasonal homeowner’s insurance offers the highest level of coverage and insures your property against most perils, except for those which are specifically excluded.
Given the isolated nature of some cottages, the type of cottage insurance we will recommend depends on a number of factors, including how close you are to other cottages, your proximity to fire stations and other services, and more. We’ll help you find the right coverage for your vacation home; call us today.

Cost of Cottage Insurance in Manitoba

The cost of cottage insurance in Manitoba varies depending on a number of factors, including:
The value of your cottage
The value of your coverage, including personal property coverage, liability coverage, and more
The location of your cottage
Your claims history
Features of your cottage: How it’s heated, its electrical systems, its construction, and other features
How often you’re at your cottage
And more
Your cottage insurance premium will also vary depending on who you insure your cottage with; different insurers have different formulas for setting rates.

The usage of your cottage can also affect rates: If you’re using your cottage property to get rental income, whether it’s short-term rentals like Airbnb or long-term rentals, your insurance company will need to know.

Claims Example

Here’s a simple example of how a cottage insurance claim might work:

Your cottage is insured for $500,000. There’s a catastrophic fire—the cottage is damaged beyond repair and must be completely replaced. There is a $2000 deductible on your policy. When you make a claim, if everything is covered, you will be paid $498,000 ($500,000 minus $2000).

This claim example does not include the coverage you would have for your personal property—personal property is covered under a different limit than your cottage itself. This is a basic example of how seasonal property insurance claims work. Need to make a claim with a cottage insurance policy sold through R.A. Hughes? Visit our office or call us. We can answer any questions you may have.
wooden cottage

Get a Quote Today

Keep your cottage protected; talk to an insurance broker at R.A. Hughes Agencies today. We’ll find the perfect policy to protect your cottage; through our partners, we have a wide assortment of insurance products available. We’ll find you the best coverage at the best rates for your needs. Get in touch with us!
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Secure Your Cottage Today

Protect your Manitoba cottage with our reliable insurance services. Contact us to get started.

Personalized Insurance Solutions:

Ensure your cottage is safeguarded with personalized insurance solutions designed to meet your specific needs.

Expert Guidance

Our team is here to provide expert guidance and support to ensure your cottage in Manitoba is adequately protected.

FAQ

What Affects the Cost of Cottage Insurance?

Several different factors can affect the cost of cottage insurance, including:

  • The value of your cottage
  • The value of your coverage, including personal property coverage, liability coverage, and more
  • The location of your cottage
  • Your claims history
  • Features of your cottage: How it’s heated, its electrical systems, its construction, and other features
  • How often you’re at your cottage
  • And more

To get a better understanding of what affects the cost of cottage insurance in Manitoba, or even the cost of other types of secondary property insurance, talk to the brokers at R.A. Hughes.

How Can I Save on Cottage Insurance?

The easiest way to save on cottage insurance is to stay claims-free. You may also be able to save on cottage insurance by installing appropriate security and fire suppression systems. Our brokers can help you save on cottage insurance.

Experience the R.A. Hughes Advantage

For over 90 years, families and businesses across Manitoba have relied on R.A. Hughes Insurance for comprehensive protection and personalized guidance. As an established local presence, we take pride in building long-lasting relationships founded on trust and a deep understanding of our clients' unique needs. Don't leave your future to chance - partner with our experienced team today.
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