The SWGELITE Cottage policy is designed to provide coverage for permanent owner-occupied properties used on a seasonal or secondary basis. Coverage is available on a stand-alone basis.

COVERAGE HIGHLIGHTS

• Secondary and Seasonal packages available
• Premises Liability Only
• Out of Province and US residents eligible
• Island Cottages & Water Access only are acceptable – Seasonal only
• Wet Boathouse coverage available, dock coverage included
• Rental for 30 days included (seasonal packages can increase to 180 days)
• Standard $1000 deductible, can increase up to $10,000
• $1,000,000 liability included, increases up to $5,000,000 available

SECONDARY ELIGIBILITY

• Must be occupied all year round, not unoccupied for more than 30 consecutive days at any time during the year.
• Must be winterized and on a permanent foundation
• All Risk Coverage – Guaranteed Replacement Cost on Dwelling/Broad Named Perils Replacement Cost on contents
• Minimum of 800 square feet
• Min 100 amps service
• Risks must have septic tank or connection to a city sewer
• Single limit coverage

SEASONAL ELIGIBILITY

• Broad Named Perils Replacement Cost on Dwelling and Contents
• Built 1960 or later
• Min 100 amps service
• Risks must have septic tank or connection to a city sewer
• Minimum of 500 square feet

• Rental for 30 days included (seasonal packages can increase to 180 days)

• Single limit coverage

Discounts up to 50% can include:

• Mature Market discount applied at age 50
• Burglar Alarm – central monitored
• Heat Sensor – central monitored
• Water Alarm Discount