Cottages
SWG Cottages
The SWG ELITE – Cottages 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