Protect Your Lake Life Today
The Sentinel Difference
Expert claim service
Sentinel Risk Insurance Group works with you to submit a claim and address any questions you have during the claims process.
Stand-alone specialized policies
Coverage and extra built-in benefits designed for your cottage or cabin property.
Optional coverages
A variety of optional coverages for even more protection.
Additional savings and tips
Discounts and personalized policies to help you save.
Looking for cottage insurance?
Most people view their cottage insurance similar to their home insurance. You provide your address and some details on the finishing of your cottage and the magical insurance premium is derived with similar coverage’s to your home insurance. What’s important to note however, is that you may have restricted coverage and you may be paying higher premiums than you should be. Contact a Sentinel Risk Insurance broker today to discuss your cottage insurance needs.
At Sentinel Risk Insurance Group we work with our clients to get as much information as possible so we can; determine an appropriate replacement cost, determine an appropriate fire protection rating and make appropriate loss control recommendations.
Cottages are comprised of many different building materials. Some, such as log construction can be more expensive, while others can be less expensive and therefore lower the replacement cost of your cottage. The type of materials and construction directly affect the insurance premium as it is directly related to the replacement cost of your cottage. Make sure you spend time with Sentinel Risk Insurance Group to review these details and also provide your broker with updates as you make additions to your cottage.
The second piece of information that Sentinel Risk Insurance Group can help advise you of is the fire protection in your area. Whether you have an island cottage, a remote retreat, or a cottage within a municipality with an organized fire department, fire protection in your area is also a substantial factor in determining your insurance premium. In particular, ask your local fire department if they have are an accredited superior tanker shuttle service provider. Many insurance companies provide discounts up to 15% if you are within 16km of an accredited superior tanker shuttle service provider. New halls are added every year so make sure your broker is up to date on these changes.
The second piece of information that Sentinel Risk Insurance Group can help advise you of is the fire protection in your area. Whether you have an island cottage, a remote retreat, or a cottage within a municipality with an organized fire department, fire protection in your area is also a substantial factor in determining your insurance premium. In particular, ask your local fire department if they have are an accredited superior tanker shuttle service provider. Many insurance companies provide discounts up to 15% if you are within 16km of an accredited superior tanker shuttle service provider. New halls are added every year so make sure your broker is up to date on these changes.
