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Best-in-Class, Customized Cottage Insurance for GTA Toronto and North Ontario

Your cottage is a very special place, isn’t it? Its value goes well beyond its financial worth. It’s your sanctuary, and you want to do everything you can to safeguard it.

Start by protecting it with customized, best-in-class Cottage Insurance from MCR Insurance Brokers, the recognized experts in seasonal home insurance for GTA Toronto, Collingwood, Muskoka and across North Ontario.

As an independent broker with decades of experience in recreational property insurance, we’ll build your Cottage Insurance program with the same care and attention to detail that you’ve put into finding, buying and furnishing your property.

Unlike primary residences, cottages are used for a variety of different purposes — for example as a regular retreat, for particular seasons or periods, or as a vacation place either for family/friends or as a rental.

They’re also subject to different risks relating to things like location, weather factors, how they’re heated, and even what they’re built of.

So, you can’t just rely on an off-the-shelf Cottage Insurance policy. Don’t let anyone tell you different, or you won’t be properly protected.

The MCR Cottage Insurance Program

The difference with MCR’s seasonal home insurance is that, like your cottage, it’s built from the ground up, drawing on a variety of options that precisely meet your needs.

It covers all types of property, including standard-construction homes, standalone cottages, condominiums and apartments, cabins and many other structures, whether on a lakeside, a mountainside, an island, or in a country retreat.

Your policy can protect watercraft, docks, wet boat housing, swimming pools, sheds and other detached buildings — plus, we can build in extra protection for recreational vehicles.

Depending on how and when the property is used and the scope of protection you need, your Cottage Insurance could be added as a rider to your main home insurance policy. Or it could be a detailed and flexible standalone plan that covers several or all types of usage.

We’ll help you decide what’s best.

Your options would also include:

  • Cottage Insurance for the structure, protecting you against perils like fire or snow damage
  • Protection against vandalism when the property is unoccupied
  • Coverage for contents and personal property against theft or breakage
  • Special, separate coverage for renters
  • Additional living expenses if you have to temporarily move out after an insured event
  • Current value or full replacement cost protection.

The MCR recreational property insurance program can also be used by out-of-province or US-based owners.

Why You’re Better Off with MCR

You get much more than a basic service when you work with MCR Insurance Brokers for your Cottage Insurance.

We have a team of experts who can answer all your questions and provide guidance on security, weatherizing and other risks.

And because we’re an independent insurance broker covering much of Northern Ontario and GTA Toronto, we’re not tied to just one insurer. We work with many highly reputable insurers so we can arrange the right insurance and negotiate the most competitive rates.

Often, we can secure valuable discounts — for example, if you have more than one policy with the same insurer, use special security arrangements, or are willing to take on a high deductible (the amount you pay before your insurance kicks in).

Add to that the legendary support and customer service that has made MCR Insurance Brokers one of the leading names in Cottage Insurance coverage in Toronto GTA and North Ontario.

In addition, our full concierge support service is available 24/7 — a comprehensive approach to customer service that’s difficult to find anywhere else.

Why You Should Act Now

As we’ve said, some things are beyond monetary value. They’re irreplaceable. But for everything else, you must have the best insurance for your cottage or seasonal home.

You don’t need to shop around for the best deals because we’ve already done that, but you do need to get that protection in place as soon as possible — for your own financial security and peace of mind.

Contact MCR Insurance Brokers now and, for no charge and without obligation, we’ll answer your questions and develop an outline Cottage Insurance plan for your treasured second home.

Even if you already have recreational property insurance, we can check it and advise you, again at no charge.

So, don’t wait. Get in touch with the Cottage Insurance experts at MCR now and we’ll get working for you.

Our Knowledge. Your Peace of Mind

See what we can do for you today