Cottages, Chalets and Recreational Property

Cottage’s these days are often better described as ‘second homes”, often as luxurious and well constructed as principle residences. As a result Utter Morris has a variety of quality products available to cover your seasonal residence. As with standard homeowners policies a cottage policy will cover the building, outbuildings such as bunkies or boathouses, contents, loss of use, as well as personal liability coverage.
Rates and coverages vary on cottages – simple cabins can be covered on a fairly basic policy at a reasonable price, while secondary residences can be insured similar to your principle residence. Factors such as year round accessibility, road access, and distance to the nearest fire hall will all affect the premium charged.