Sunday 9 June 2013

Is your cottage covered against fires?

Is your cottage covered against fires? Cottage Life

When Alice Ogden’s Manitoulin Island cottage burned down in 2005, “We knew the cottage was insured, but we didn’t know by how much.” The Ogdens bought their getaway (originally a cabin at a fishing resort) in 1985 and assumed the existing insurance policy. As a result, the $51,000 in structure and contents coverage “wasn’t enough to build a modern cottage,” she says. The replacement (including such big-ticket items as a new wood stove and composting toilet) cost more than three times what the original building was insured for.

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