Changes to your RetreatLife® program (Cottage insurance)
Cottage coverage protects your seasonal or vacation property and its contents.
As part of our commitment to our customers, we’re streamlining and updating your cottage insurance to better reflect the needs of cottage owners across Canada.
What you need to do
When your policy renews, your cottage insurance will be automatically updated. Please review your policy carefully.
What you need to know
Please review the table titles below carefully to see how your coverage has been updated.
Here are the key updates that you may see on your Certificate of Insurance (COI) or Summary of Change in your policy package:
| Current Aviva customers moving to RetreatLife® Comprehensive coverage | |
| Product Update | What's changing |
| Personal property coverage | Personal property coverage helps protect your belongings, such as furniture, clothing, and electronics. If your belongings are damaged, destroyed, or stolen due to an event covered by your property insurance, this coverage can help you pay to repair or replace them. As part of these updates, you now have more protection for your personal belongings. Your personal property used to only be protected from specific causes of loss (Named Perils). You are now covered for most accidental damage or loss, unless your policy specifically excludes it (All Perils). |
| Detached private structures | Detached private structure coverage protects buildings on your property that are not physically attached to the main house on the property. Some examples include a shed, gazebo, dock, or detached garage. Your coverage for detached private structures has been reduced. Please contact your broker to answer any questions you may have about this update. |
| Additional living expense | Additional living expenses help you pay for extra costs if you can’t use your seasonal residence due to a covered loss, such as a fire or major water damage. Your additional living expenses coverage has been reduced. Please contact your broker to answer any questions you may have about this update. |
| By-law coverage | By-law coverage helps you pay the extra costs of repairs or rebuilding your property to meet current building codes after an insured loss. As part of these changes, your by‑law coverage has been increased. Please contact your broker to answer any questions you may have about this update. |
| Burglary coverage and malicious damage coverage | Burglary coverage helps you pay to repair or replace your belongings or property if someone breaks into your home and causes damage or theft. Malicious damage coverage protects you when someone intentionally damages your home or belongings; it helps you pay to repair or replace items. Your RetreatLife® property policy now includes burglary and malicious damage coverage. In the previous version of this policy, these coverages were available for an additional cost and have been removed as separate option. |
| Current Aviva customers moving to RetreatLife® Named Perils coverage | |
| Product Update | What's changing |
| Personal property coverage | Personal property coverage helps protect your belongings, such as furniture, clothing, and electronics. If your belongings are damaged, destroyed, or stolen due to an event covered by your property insurance, this coverage can help you pay to repair or replace them. Please contact your broker to discuss your personal property coverage. |
| Detached private structures | Detached private structure coverage protects buildings on your property that are not physically attached to your main property. Some examples include a shed, workshop, or detached garage. Your coverage for detached private structures has been reduced. Please contact your broker to answer any questions you may have about this update. |
| Additional living expense | Additional living expenses help you pay for extra costs if you can’t live in your home due to a covered loss, such as fire or major water damage. |
| By-law coverage | By-law coverage helps you pay the extra costs of repairs or rebuilding your property to meet current building codes after an insured loss. As part of these changes, your by‑law coverage has been increased. Please contact your broker to answer any questions you may have about this update. |
| Burglary coverage and malicious damage coverage | Burglary coverage helps you pay to repair or replace your belongings or property if someone breaks into your home and causes damage or theft. Malicious damage coverage protects you when someone intentionally damages your home or belongings; it helps you pay to repair or replace items. Your RetreatLife® property policy now includes burglary and malicious damage coverage. In the previous version of this policy, these coverages were available for an additional cost and have been removed as separate option. |
| Current RetreatLife® Broad customers moving to RetreatLife® Comprehensive coverage | |
| Product Update | What's changing |
| Personal property coverage | Personal property coverage helps protect your belongings, such as furniture, clothing, and electronics. If your belongings are damaged, destroyed, or stolen due to an event covered by your property insurance, this coverage can help you pay to repair or replace them. As part of these updates, you now have more protection for your personal belongings. Your personal property used to only be protected from specific causes of loss (Named Perils). You are now covered for most accidental damage or loss, unless your policy specifically excludes it (All Perils). |
| By-law coverage | By-law coverage helps you pay the extra costs of repairs or rebuilding your property to meet current building codes after an insured loss. As part of these changes, your by‑law coverage has been increased. Please contact your broker to answer any questions you may have about this update. |
| Mysterious disappearance | Mysterious disappearance coverage helps protect you when an item, such as jewelry, watches, or electronics, goes missing and there’s no clear way to determine if it was lost or stolen. As part of these changes, mysterious disappearance coverage is now included in your RetreatLife® property policy, subject to terms and conditions. |
Where to find your policy updates
You may find these updates on your Summary of Change in your policy package. Your updated coverage is reflected in your Certificate of Insurance (COI). For further details regarding the changes, please refer to your policy wordings.
Please review your policy carefully.
Questions?
If you have any questions about these updates or want to discuss your coverage needs, please contact your broker.
The content on this page is for information purposes only. For specific information about a product, or exact terms, conditions, coverage definitions, exclusions and limitations, please refer to your insurance policy wording. In the event or a conflict or discrepancy between this page and your insurance policy, the terms of the insurance policy will prevail. All insurance products discussed in this page are underwritten by Aviva Insurance Company of Canada. Certain services are provided through Aviva Canada Inc.’s contracted third-party services providers. Aviva and the Aviva logo are trademarks used under licence by the licensor. RetreatLife® is a trademark owned by Aviva Canada Inc.