Cabin insurance Alberta


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We insure more than 600,000 Lifestyle customers across Canada!

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Protection for the way you use your cottage or cabin...

Seasonally or year-round, protect your cottage or cabin from the unexpected.

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…with coverage that fits your cottage or cabin lifestyle...

Every policy includes coverage for short-term rental up to 30 days, and coverage for damage caused by bears, raccoons, and squirrels.

…plus policy add-ons for even more coverage

Get more protection such as coverage for wet boathouses, water protection plus, and increased short-term rental up to 180 days.

Alberta cottage and cabin insurance

The distinctive silhouette of birch trees, the refreshing tingle of a dip in cool waters, the cozy crackle of a campfire, the haunting call of the loon— cottaging and cabining in Alberta is a time-honoured tradition in Canada and it deserves custom protection.

A cottage policy covers…

  • Fire, theft, explosion and vandalism
  • Damage from falling objects 
  • Lightning, hail and windstorm damage 
  • Impact by aircraft, watercraft or land vehicle
  • Building collapse
  • Damage caused by bears, racoons and squirrels
  • And more …
Father and daughter sitting by a lit campfire making s’mores at their cottage

Coverage can extend beyond your cottage and cabin

  • Short-term rental protection up to 30 days
  • Docks, hot tubs and sheds, and bunkies
  • Lock replacement
  • Frozen food protection
  • By-Law coverage
Landscape image of a cottage on a lake

Want to know more about optional coverages?

Short term rental coverage

Coverage for loss or damage while your cottage or cabin is rented, and rental income protection if it can’t be rented out after a covered claim. This coverage allows you to increase your rental coverage up to 60, 90 or 180 days for the year!

Water Protection Plus

Enhanced water protection package with coverage for failed service lines, sewer backup and overland water.

Wet boathouses or wet buildings

Coverage for loss or damage to wet boathouses or wet building.

Get expert advice for your insurance needs

Your lifestyle matters to us

You'll benefit from dedicated, expert claims service that helps you get back to doing the things you love.

Quick response makes the most of every season

No waiting until Monday to start a claim. You can call our 24/7 dedicated phone line to talk to an Aviva Lifestyle expert who will get things started for you, or report a claim online. The season is short; we’ll work hard to make sure you get to enjoy it.

Dedicated claim adjusters who know cottages or cabins

Our claim adjusters are enthusiasts too. They know the coverages inside and out, and the settlement options for every policy.

Choice of top-rated vendors

We work with top-rated local vendors who give our customers priority service and get the job done right! These include expert appraisers, surveyors, dealers, and repair facilities. You always have the option to choose your own.

What Aviva Lifestyle offers

Expert claim service

Care and attention from dedicated claim adjusters who are enthusiasts too.

Stand-alone policies

Coverage and extra built-in benefits designed for your Lifestyle policy.

Optional coverages

A variety of optional coverages for even more protection.

Additional savings

Discounts to help you save.

Have more fun to cover?


Collector Car


Do you have a watercraft, RV, motorcycle, collector car and more?

Get expert advice for your specialized insurance needs.

The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance broker if you would like to learn more. Insurance products are underwritten by Elite Insurance Company, a subsidary of Aviva Canada Inc. Aviva and the Aviva logo are trademarks used under license by the licensor.