Insuring Your Summer Cabin in Connecticut

Your Connecticut summer cabin is your personal getaway. Regardless of whether your cabin is lakeside, seaside, or in the countryside, insuring your cabin is important. The following article provides general information regarding insurance for your cabin, the coverages you may be interested in, and the process you may experience to acquire insurance in Connecticut.

luxury cabin with deck located in the woods

How Do I Get a Quote for My Summer Cabin? 

When it comes to selecting an insurance policy for your summer cabin, it’s a good idea to compare coverages. At Cross Insurance, we work with the nation’s leading carriers as well as regional insurers. With offices in Connecticut and across the Northeast, our agents are available for account management support. Contact us to request an insurance quote for your cabin.

How Much is Insurance for a Cabin Located in Connecticut?

Just as you would look at various factors to help estimate your homeowners insurance, you can look at the same types of factors to help estimate what your cabin’s insurance may cost. Although policies vary from person to person and building to building, there are some common factors that can be used to help calculate insurance costs. The following non-exhaustive list includes some of the factors that can affect your insurance costs.

The Coverage Options You Have Chosen

Just as with your primary home, a typical homeowners insurance policy helps to cover a few basic areas, such as:

  • Dwelling Coverage

This type of coverage can help protect the physical structure of your cabin if it is damaged by a covered hazard, by either helping to pay for repairs or even to rebuild the structure entirely, subject to coverage limits. 

  • Personal Property

Also known as contents coverage, this type of coverage can help with expenses for items such as electronics, furniture, clothes and more if they are ruined, damaged, or stolen during a covered loss. To learn how to take a home inventory of your personal property, click here.

  • Personal Liability

This coverage can provide assistance if a third party is injured or has their property damaged while at your cabin due to a covered loss or event.  It can help with medical expenses, pain and suffering, damage to property, and legal expenses. 

  • Your Camp’s Deductible

Your deductible is the amount of money you are personally responsible for paying towards a loss before your insurance coverage begins paying towards a claim. Your cabin’s deductible is an adjustable amount that you can choose with your insurance agent. Setting a higher deductible for your policy can lower the premium cost. However, remember that the deductible represents the amount that you are personally responsible for, so make sure that you select an amount that you are comfortable with.

Characteristics of Your Summer Cabin

The unique characteristics of your summer cabin such as its age, size, location, and materials it was built with can also affect your insurance rates. For example, cabins that are older tend to be more expensive to insure due to certain risks they may pose. The same goes for larger cabins as the larger the cabin, the more materials would be needed to rebuild in the event of a loss, resulting in a higher rate. Building materials are an important factor, too. If your cabin has been built with rare or expensive materials, it typically will cost more to repair or replace. Features such as fireplaces, decks, beamed ceilings, and large windows can all raise your rates as the value of your cabin increases. Location is also important. Many cabins tend to be on the water, which exposes you to a higher risk of flooding than if you were located inland. Cabins located in historically high claim areas with weather-related incidents, such as hurricanes, fires, or severe storms, can also increase your insurance costs.

Property Risks

Having pools, boats, pontoons, jet skis, kayaks, paddle boards, and even inflatable floats at your cabin can increase your rates as these are liabilities that present more risk.

dock with canoe and pontoon boat overlooking an open lake

How to Save on Your Summer Cabin’s Insurance

One possible way to save on your cabin’s insurance is to invest in a security system. As many cabins tend to be occupied seasonally, they are at a greater risk of being exposed to events such as vandalism and fires. Investing in a security system that can alert you to these events and help prevent you from filing a claim may help you save.

Another possible way to save on your camp’s insurance is a bundling discount. Many of those who own a cabin on the water tend to also own some sort of watercraft or boat, which presents a great opportunity to bundle the pair together and potentially save. To learn more on how you could bundle your insurance, contact your local Cross Insurance office today.

Other Insurance Coverages for Connecticut 

Our local offices can help you find coverage options for your home as well as for your vehiclesmotorcycleRV, ATV, and more. We also offer commercial insurance for businesses in a variety of industries, including construction, legal, transportationtechnology, non-profit, medical, and others. Reach out to one of our local offices today to see how we can assist you with your insurance needs.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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