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Keeping your home-away-from-home safe

Get well-rounded coverage for your retreat from the city.

How seasonal insurance works

How do I buy seasonal insurance with Onlia?

Once you have a home insurance policy, you can purchase a second policy for your seasonal property (i.e. cottage). Sign into your account to add a second home — Onlia makes it so easy, you can do it right from your phone.

Don’t have a home insurance with Onlia? Click here to get your home quote now.


How does seasonal insurance help me?

Seasonal insurance makes enjoying your home away from home better. With protection for your cottage or chalet, you know if something unexpected or accidental happens – while you’re there, or not there – you’re covered. From incidents caused by fire and water to theft and break-ins, seasonal insurance covers the cost to repair or replace your stuff so you don’t have to.

Does seasonal insurance cover my property if I use Airbnb?

Yes. We provide coverage for short-term rentals of seasonal properties for up to 125 days in a calendar year. So, if you occasionally rent out your spot on Airbnb or another home sharing service, you can have peace of mind in knowing it’ll be covered. 

Why choose Onlia Insurance?

Always online

Get a quote, buy insurance, and manage your policy online 24/7. Easy-to-read policies make handling your own insurance a breeze.

Coverage at your seasonal home

Whether you live at your seasonal home or rent it out via Airbnb, we have the seasonal insurance you need. Protect your seasonal home and what’s in it with a policy made just for you.

Flexible policies

Adjust your coverage, add a driver, change to long-term parking, or bundle your insurance through My Account any time. On demand changes, no paperwork or phone calls required.

Privacy is our priority

We’ll keep you safe on and offline. Personal and sensitive information is always encrypted, stored, and transmitted securely.

A trusted provider

We’re backed by Fairfax Financial and Achmea, so we have the resources to make insurance simple. Like other trusted companies, we’re regulated by FSRA.

Add more, save more

Save 15% on car insurance and 20% on home when you bundle, and an additional 20% when you add more than one car to your policy.

Seasonal coverages that keep you protected

Seasonal insurance is designed for properties that are used during certain periods of the year. It also offers protection for those that choose to use their properties for short-term rentals. Some coverages include:
Fire Damage
Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.
Theft and Break-ins
Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home or some place else.
Personal Liability Coverage
Legal protection if you’re sued due to someone else's injury or damage that occurs at your property.
Home and Detached Structures
We ensure any additions to a home, such as a basement apartment, or detached structures like pool houses, are included in coverage.
Personal Property
If you have any personal property in a home you occasionally use it’s protected.
Flood and Water Damage
Comprehensive overland water protection, covering flooding and sewer backup is available for some homes.
High-value Items
Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $2,500.
Legal Assistance
Need help with a legal matter? We’ll refer you to a preferred legal counsel who specializes in your situation.

Save $750* on car & home insurance

Bundle your car and home insurance policies with Onlia to save 20% on car and 15% on home coverage.