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
  • Not rented to others for more than a total of 30 days in any 12-month policy term
  • 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



APPLICATIONS FOR THIS PRODUCT

Application Submission Instructions

Please print out the appropriate application(s) above,
fill-out, scan and email to:
quotes@swgins.com

Please include the following information:
Product/Application
First Name
Last Name
Broker/Company Name
Phone Number
Province
Any Supporting Documents

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