Products
Residential
Seasonal dwelling
Whether it is a cottage you and your family use only seasonally or a secondary home you visit year-round, nothing should ruin your vacation and Optimum has the insurance solution you need!
The Optimum advantage
Are you looking to only insure your cottage or secondary home? No problem.
At Optimum we will gladly provide insurance to customers who only need insurance for their cottage or secondary home.
Are you planning to rent your seasonal dwelling? No problem.
Optimum's policies allow you to rent your cottage to others for up to two weeks a year. Plus we also have options available to purchase coverage if you rent for additional weeks.
As many possibilities as you need
Optimum offers three different forms of coverage to meet your specific needs.
Available levels of protection:
Optimum VIP Cottage
Provides all risks coverage on the dwelling and contents.
Northerner Plus
The Northerner Plus is available with two coverage options. Please speak with your insurance broker to discuss which option is ideal for you.
Comprehensive
Superior protection that provides all risks coverage on the dwelling building as well as on your personal property.
Broad
Broad protection that provides all risks coverage on the dwelling building and named perils on your personal property.
Northerner
This broad protection provides named perils coverage on the dwelling building as well as named perils coverage on your personal property.
“All Risks” coverage is our most comprehensive level of coverage and is designed to protect your property from the broadest range of perils.
*Note: “All Risks” coverage provided by Optimum and the insurance industry is still subject to certain exclusions. Please speak to your insurance broker for more details.
Key discounts available for this product:
- Age of insured
- Claims-free
- Age of building
- Multi-residential product
- Ontario Cottage Association
*For more information about our available discounts, please contact your broker.
Find a broker to obtain a quote.
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