{"id":5475,"date":"2026-07-08T22:39:24","date_gmt":"2026-07-09T02:39:24","guid":{"rendered":"https:\/\/www.assuranciagt.com\/personal-insurance\/secondary-residence-and-cottage\/"},"modified":"2026-07-22T15:13:15","modified_gmt":"2026-07-22T19:13:15","slug":"secondary-residence-and-cottage","status":"publish","type":"personal-insurance","link":"https:\/\/www.assuranciagt.com\/en\/personal-insurance\/home-insurance\/secondary-residence-and-cottage\/","title":{"rendered":"Secondary residence and cottage"},"content":{"rendered":"\r\n
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Your peace of mind, our coverage<\/h2>\r\n
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Because every situation is unique, we offer coverage tailored to your reality, your plans and the different stages of your life.<\/p>\n<\/div><\/div>\r\n\r\n

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Civil liability<\/h4>\r\n
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The “Civil liability” coverage protects you if someone is injured at your home or if you accidentally damage something at your neighbour\u2019s place.<\/p>\n<\/div>\r\n <\/div>\r\n \r\n \r\n

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Building (repair or rebuild)<\/h4>\r\n
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This coverage covers the cost of repairing or rebuilding your residence, as well as attached buildings such as the garage, shed, fence or deck, when they are damaged by a covered loss. This coverage may also include costs related to guaranteed replacement cost and compliance with current building standards. This allows you to restore your property and preserve the value of your investment. <\/p>\n<\/div> <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n

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Personal belongings<\/h4>\r\n
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In the event of a covered loss, your personal belongings such as furniture, clothing, electronics, appliances or tools may be replaced or compensated. This coverage helps limit the financial impact of an unexpected event. <\/p>\n<\/div>\r\n <\/div>\r\n \r\n \r\n

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Additional living expenses<\/h4>\r\n
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If your residence becomes uninhabitable following a covered loss, additional costs related to temporary accommodation, meals and certain other reasonable expenses may be covered. This provides financial support during the repairs or rebuilding of your residence. <\/p>\n<\/div> <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n

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Other coverage included<\/h4>\r\n
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Your insurance may also include several coverages against common risks, such as fire, smoke, lightning, windstorms, hail, theft and vandalism, depending on your policy. These coverages help you deal with everyday unexpected events with complete peace of mind. <\/p>\n<\/div>\r\n <\/div>\r\n \r\n \r\n

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Optional coverage<\/h4>\r\n
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Depending on your needs, you can add additional coverage to your policy. For example: sewer backup, water infiltration and flooding, earthquakes, replacement of your belongings at replacement cost, equipment breakdown (heat pump, generator, water heater, solar panels, etc.), jewellery and valuable collections, cyber protection, identity theft, enhanced civil liability, telework, business activities at home, or short-term rentals. These options allow you to tailor your insurance to your reality and obtain more comprehensive protection. <\/p>\n<\/div> <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n <\/section>\r\n\r\n\n\n\r\n

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Your insurance questions for your secondary residence or cottage<\/h2>\r\n \r\n
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Our teams answer your most frequently asked questions to help you better understand the coverage available and choose solutions tailored to your reality.<\/p>\n<\/div> \r\n <\/div>\r\n\r\n

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