Summer cottage insurance is comprehensive insurance for all owners of summer cottages. 

Cottage insurance is composed of two insurances: homeowner insurance and household contents insurance. A detailed list of what is covered and what is not covered can be found in the insurance's information document. 

Household contents are personal belongings that generally come with summer cottages and are not considered part of the property or its general fixtures. Think of household contents as everything that you would take with you between summer cottages. 

When you sell a property, the principle is that your summer cottage insurance lapses at the same time as your fire insurance. Homeowner insurance never automatically transfers between properties when moving. The household contents insurance must be cancelled separately. 

A hot tub is not covered by the homeowner insurance and must be insured separately. The patio and other similar valuables outside the exterior walls of the property are not considered property, unless those values are specified in the property's fire insurance valuation. 

That varies. The premium for summer cottage insurance depends on the insurance amount of the household contents on the one hand, and on the fire insurance appraisal of the summer cottage on the other. A deductible applies to household contents and homeowner damages, and the amount is stated on the insurance certificate.