Our ability to quote Quebec based properties for Ontario residents has been temporarily suspended due to a jurisdiction dispute. The insurers that provided this coverage for us are working to resolve the problem. We are sorry for any inconveniences this may cause you.

For cottage or seasonal residence owners, we are proud to offer the Gore Mutual Cottage Plus Packages. We also offer you the Optimum Insurance Cottage and Seasonal Residence Program as outlined below. We can provide coverage for Ontario Residents with cottages in Manitoba or Quebec, and USA residents with Cottages in Ontario. We have coverage from the most basic to the comprehensive forms.

The cottage is your escape from life's busy schedule. The last thing you need to worry about is protecting the financial investment you've made in your cottage property.

Whether you use your cottage year round or on a seasonal basis, Cottage Plus is designed to meet all your insurance needs.

The Gore Mutual Advantage

  • Genuine personal service
  • 100% Canadian Insurance Company
  • Voted number one insurance company in Ontario by IBAO members in the 2008 Rate Your Company Survey
  • 24 hour claims service with personal contact after report of claim

The Gore Mutual Cottage Advantage

  • “No strings attached’ stand-alone policy
  • All Risk or Named Perils coverage
  • 1 million liability with $500 deductible standard
  • We allow renting up to 50% of the policy term

Product Line-up:

  • Cottage Plus Basic – Similar to "Fire & Extended Coverage"
  • Cottage Plus 4 Seasons – Named Perils
  • Cottage Plus 4 Seasons Superior – Broad Form
  • Cottage Plus 4 Seasons Ultimate – Comp. Form
  • All Cottage Products are packaged with premises liability


  • Single Family occupancy
  • Insured to a minimum 80% to value for Cottage Basic & 100% for 4 Seasons Forms
  • Winterized for 4 Seasons packages
  • Photograph required with all submissions

U.S. Residents

  • Owner of a cottage in Ontario can be a resident of the United States but must
    U.S. Residents: occupy the cottage at least once every 60 days

Cottages in Quebec & Manitoba owned by Ontario Residents:

  • Insured must be a resident of Ontario
  • Northern Ontario rates are used
  • Policy must be broker bill

Coverage Highlights [4 Seasons Ultimate]:

  • Guaranteed replacement cost on the cottage
  • Replacement cost on contents
  • Theft, burglary, vandalism & malicious acts
  • Additional living expense included (10%)
  • Weight of ice and snow
  • Smoke from a fireplace
  • Fire department charges
  • Lock replacement
  • Mass evacuation
  • $15,000 by-law protection included

Cottage Plus offers a wide variety of discounts:

  • No Claims - 10%
  • New Home, up to - 15%
  • Maturity Plus - 20%
  • Monitored Burglar Alarm - 10%
  • Multi-Line (applied to home if we insure it) - 15%
  • Mortgage Free - 10%
  • Loyalty - 5%

Rental Cottage Plus Endorsement:

  • an be added to all cottage policies and allows for rental periods
    in excess of 2 weeks
  • Underwriter must approve, required
  • Questionnaire & photo required
  • Premium is 100% retained
  • Rental Income Endorsement is available
  • Vandalism by tenant is covered

Rental Watercraft Endorsement

  • Adds liability coverage while owned watercraft are used by a tenant as part of a rental cottage agreement
  • Available only if Rental Cottage Plus Endorsement is purchased
  • Gore Mutual watercraft eligibility guidelines apply
  • Premium is 100% retained

Cottage Plus can be purchased as a stand-alone policy or added to your Gore Mutual Homeowners, Tenants or Condominium policy.

Optimum VIP Cottage Insurance

Optimum VIP Cottage Insurance


Coverage Highlights

  • All risk protection on building and personal property
  • Replacement Cost on personal property
  • $1,000,000 for Premises Liability
  • Docks and Boathouses included
  • Rented to others - Up to 2-weeks annually
  • Broad Replacement Cost on personal property included automatically for all mature citizens aged 50 and over
  • Watercraft liability - Tenant's use *

* Restrictions apply to tenant's use

Optional Coverages

  • Guaranteed Replacement Cost
  • Sewer back-up
  • Rental cottage - for rentals over 2 weeks annually



Premium reductions are available to help you save even more if you:

  • Install a monitored Burgerlar Alarm
  • Have had no claims in the past 3 years
  • Are a Mature Citizen (40 years +)
  • Own a Cottage aged 14 years or less
  • Are a current client of Optimum Insurance Company Inc, or Optimum West Insurance Company
  • Member of Cottage Owner Association

Deductible Options

Our base deductible is $500. Higher deductibles are available and if you choose to increase this amount, you will lower your premium.

Easy and convenient payments

You can choose from a variety of payment plans that best suit your needs ranging from an annual payment to monthly installments withdrawn automatically from your financial institution's account.

Our VIP Cottage Program is an excellent product for your higher end cottages, offering a broader range of coverage than most other markets. Some of the main differences are:

Dwelling building Coverage All Risk
Person Property Coverage All Risk
Contents Coverage 60% of Building Amount
Additional Living Expenses 20% of Building Amount
Replacement cost on Contents without obligation to replace for Insureds 50 years of age and over Included
Property kept at a business location 51% of Personal Property
Extension of Coverage
Credit Card Coverage $2,000
Peril of Electricity Covered
Food Freezer $1,500
Fuel Escape Coverage Optional
Municiple By-Law Coverage $10,000
Sewer Backup Coverage Optional
Theft or Attempted Theft by a Tenant $5,000
Vandalism or Malicious Acts by Tenant $5,000
Rental Watercraft Liability Extension to Tenant Covered
Special Limits
Computer Software No Limit
Securities $2,000
Jewellery $5,000 ($3,000 per item)
Numismatic Property $500
Stamps $2,000
Silverware No Limit
CDs in Vehicle $500
Animals/Birds/Fish $3,000
Building Age 0 to 14 years
Multi-Site 5% on Seasonal
Multi-Line 5%
Frequency of Use Once every 60-days
Island Cottages Covered

Other coverage and terms available from basic seasonal cottage coverage to comprehensive packages of coverage.

Stand alone coverage for cottages in Manitoba and Quebec for Ontario residences.

For more information on our Cottage Insurance packages please complete a Request for Information Form or contact us by phone or in-person.

C.E. Hollingsworth Insurance Brokers Ltd.
1244 Victoria Street North
Kitchener, Ontario
N2B 3C9

Tel: (519) 742-5839
Fax: (519) 742-7612

Business Interruption due to Covid-19

Recommendations to Commercial Insureds

Read more ...

Ontario changes auto accident benefits June 2016

 Once again Ontario is amending the accident benefits coverage

Read more ...

Winter Vacation Warning

Planning a winter vacation or to be away from you residence for more than 4 consecutive days, during the normal heating season? 

Read more ...

Facebook Twitter Linkedin