Cottage insurance Newfoundland and Labrador

RetreatLife®

Cottage protection icon

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

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

Document with add-on icon

…with insurance 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 cottage insurance policy add-ons for even more coverage

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

Newfoundland and Labrador 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 in Newfoundland is a time-honoured tradition in Canada and it deserves custom protection.

A cottage insurance 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

Insurance 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 is rented, and rental income protection if your cottage 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.

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.

A man on the landline phone writing down information from an expert claims advisor

Quick response makes the most of every season

No waiting until Monday to start a cottage insurance 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.

Old couple signing documents with an expert claims advisor

Dedicated claim adjusters who know cottages or cabins

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

Top rated vendor writing information down on a clip board

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.

Fun Side of Life

Get ready to experience everything the Canadian lifestyle has to offer.

Ontario | Episode 5

Video transcript

- The Fun side of life brings me to Muskoka where I'll be visiting a famous bakery. Everything I imagined. Touring a beautiful cottage. This place has character.

- [Emily] Exactly.

- And blasting across the water. I've been told that when in Orillia, a must-try spot is Mariposa Market. I don't know what to expect, but I'm super excited to check it out. Let's go. Classic dipped, and the recreation of The Homer Donut. You cannot go wrong with that. You know the Mariposa Bakery delivers the goods, the baked goods that is, but if the baked sweets aren't enough to satisfy you, then you'll find what you need in the aisles of artisanal preserves. And if you need even more sweets, Mariposa Bakery even has a candy shop; dentists everywhere are rejoicing. Mariposa Market, Orillia, Ontario; it's a jewel of the community. People come from miles away just to get the whiff, to get the smell of the bread and the desserts. The community loves it. You can tell no one's really in a hurry to leave. Everything from breads to candies to preserves, this place has it all, including this guy right here: the quintessential Homer Donut. Well, look at that. The donut icing even matches my shirt. It's sweet, sweet destiny. A match made in sugar heaven. Everything I imagined. Oh man, I had to get out of Mariposa Bakery before I ate my body weight in donuts. Anyway, it worked out because now I'm meeting my friend, Emily. She's kind of my tour guide here in Muskoka, and she's at a family friend's cottage and thought I'd wanna stop in and check the place out.

- [Emily] Come on in.

- Oh. ♪ Oh, oh, oh ♪ ♪ Ah, ah, ah, ah ♪

- What a beautiful place.

- [Emily] Isn't this gorgeous?

- [Jim] Oh.

- First thing that you notice, of course, is the huge vaulted ceilings. You cannot help but look right up.

- [Jim] This place has character.

- [Emily] Exactly.

- The attention to detail is immaculate. It feels super cozy, super inviting.

- And come check out the sunroom, or as we call it here, the Muskoka Room.

- [Jim] Oh, the Muskoka Room.

- [Emily] Yeah.

- [Jim] You know, what I love about this room is you're surrounded by trees.

- Yeah, and you open those windows, and you can hear a little waterfall out there. It's so relaxing.

- Perfect for napping.

- Yeah. Welcome to the heart of the home.

- I love, love this kitchen.

- [Emily] Isn't it charming?

- Well, again, it's the attention to detail. It's the spice rack. It's the bread box. They don't make islands like this anymore.

- No, this piece is solid. It's made out of barn board, and it really will fit the entire family around it. All right, check out the main floor bedroom. You wake up and the first thing you see is the lake.

- [Jim] Wow.

- Let's go upstairs.

- [Jim] Cool. ♪ Oh, oh, oh ♪ ♪ Ah, ah, ah, ah ♪ ♪ Ah, ah, ah, ah, ah ♪

- And here we are in the loft bedroom. Isn't it completely unique?

- It's awesome. This ceiling is incredible.

- It's peg construction. It's super unique and beautifully crafted. And this is where the owners enjoy a coffee in the morning.

- Wow.

- If you love the cottage, wait till you see the lake.

- A last-minute call from work meant Emily and I had to say goodbye, but that's okay because Jay, Sandra, and the kids were happy to hang out with me by the water. It's just another gorgeous day for them in Muskoka. Guys, beautiful cottage. You could say a mouthful, but how about one word to describe the experience of being here?

- I would say serenity is a good word. Every time we come up here, you know, you leave the hustle and bustle of your whole life in Toronto.

- Do you feel like you're living your best life every time you come up?

- Yeah, absolutely. An average day is this beautiful, serene thing where we read and have a little bit of wine, take our time making dinner. They stay in the water all day, and we join them occasionally, so it's perfect.

- When can I invite my friends? I interpret that response as some time soon. In the meantime, Jay and I are saddling up and hitting the lake like a couple of fresh-water cowboys. What an awesome day in Muskoka. A beautiful bakery, a one-of-a-kind cottage, and an epic day on the water. I'm living the life in cottage country. Take care.

- Bye.

- See ya.

Ontario | Episode 6

Video transcript

- The "Fun Side of Life" brings me to an early morning boat tour of Lake Muskoka, a humbling round at Taboo Golf Course. Missed it by a good two weeks. And a tour of a gorgeous modern cottage. Join me on my cross Canada RV tour as I discover the fun side of life. A couple of old friends of mine, Angela and Duane, are spending some time off in cottage country. They've booked a relaxing morning boat tour on Lake Muskoka, and since I was in the area, they invited me to come along. This is the first time they've been to Muskoka. So, the whole family was excited to be there. Guys, amazing boat ride.

- It was absolutely breathtaking out there. I mean, I can imagine waking up to this every day all day. That's just amazing.

- [Angela] It was really fun, especially, like, with the kids, and see their faces and sitting 'em in front of the boat. And we went fast. Oh, that was the best for them.

- [Jim] Our boat ride inspired Angela and Duane to consider owning a Muskoka cottage of their own.

- We've rode past a couple of these docks, looking at each other like, I think I could check my emails from that position right there.

- It's been fun hanging out on the water with Angela, Duane and the kids, but I've gotta get going. I've got a tee time later today, and to make it a special day, I'll be traveling to the course by boat, not something most golfers ever get to do, and access by boat is only one of the things that makes Taboo Golf Course a special place. I'm ready to hit the links. Oh, boy. Okay. So that's a mulligan. That's a lot of pressure, being a host, but after a few quick tips from one of my crew members, I'm ready to try it again. That was a beautiful. Blue sky, fluffy white clouds, lovely rolling greens. This is the life. Before my round, I got the chance to ask Tanner from the pro shop some questions about Taboo Muskoka. Tanner, what makes Taboo such a special place?

- For me, it's how it feels like your own private course out there. It's just so spread out that you're never really seeing other groups on the course, as well as kind of what Muskoka is known for is just some of the granite outcroppings that are built into the course. Those just make it really special to me.

- So, if you're a good golfer, then, you have no witnesses, but if you're a bad golfer, you also have no witnesses. Golfing in front of cameras is a lot of pressure. I'm not sure I'd recommend it to anyone. See how this goes. Oh! Missed it by a good two weeks. If you're like me and pretend to know how to play golf, you gotta get to Taboo. But I think it's best for everybody if we leave the cameras behind and I continue on my route. Once I left the cameras behind, I definitely elevated my game. That's my story, and I'm sticking to it. It was time to meet my friend, Emily. She's a real estate agent in Muskoka, and she told me she had an incredible place that I might wanna check out. I'm always looking for the fun side of life. And this cottage definitely seems like it's a lot of fun. Emily, where do we start? What a gorgeous place.

- Isn't this stunning? This is a chalet feel, post and beam, cathedral ceiling, the rock fireplace. It just, it's warm and it's inviting, but it's grand at the same time.

- [Jim] Beautiful, natural light.

- You feel like you're in the treetops.

- Emily, I gotta be honest with you. I wasn't expecting this type of kitchen in this type of cottage.

- It's a clean, minimalist kitchen, but the beadboard and the warm timbers overhead keep it from being cold. Every good party ends up right here.

- You and maybe 20 or 30 of your closest friends.

- [Emily] There's room for it.

- Emily, the fact that I can take 10 full strides into this bathroom, I mean, come on.

- This bathroom is completely on trend, double sinks, heated floors, seamless glass shower. It's very minimalist. It's very on trend.

- Feels like I'm in a high end hotel.

- Absolutely.

- A boat tour, golf and a visit to a cool cottage. It's been a big day in Muskoka, but I think it's time to just sit back and enjoy the view. I'll see you next time.

Have more fun to cover?

Boat

Collector Car

Motorcycle

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 an Aviva insurance broker if you would like to learn more. Availability and pricing may vary by province. In the event of a conflict or discrepancy between the information on this page and your insurance policy, the terms of your insurance policy will prevail. The insurance products detailed on this page are underwritten by Aviva Insurance Company of Canada, a subsidiary of Aviva Canada Inc. Trademarks, including Aviva and the Aviva logo, are all owned or used under license from the licensor.