Covers risks of remote locations: Cottage insurance provides tailored coverages that fit the particular use of the property and according to the risks associated with the location.
Septic backup coverage: Most of the home insurance covers all the drainage and septic backup issues, but insurers may exclude this coverage in the case of cottage insurance.
Rented and vacant properties: Insurers have to be made aware of any property being rented out to someone else or any property that is vacant for any period of time. Be sure to advise your broker so they can adjust your policy.
Path of the property: Driveways and pathways are well maintained outside your home property, except in the case of cottages, you might encounter rough pathways that demand excessive premiums for coverage by insurers in the case of cottages.
Excluded perils: A complete home insurance policy usually covers an extensive range of possible risks. While in a cottage insurance policy, insurers will have a long list of perils that are not covered, such as roof damage from excessive snow: do ask about it and be aware of what your policy excludes.