Recreation Insurance

Manitobans know how to have fun. Whether you’re kicking back at the cottage, enjoying a cruise on your boat, or taking to the trails on your snowmobile or ATV, the wide prairie sky is the limit to the enjoyment you can have, especially if you know that your insurance coverage is working hard to protect you.

Cottage Insurance. Coughlin Insurance and our partner insurers can offer you a Comprehensive Seasonal Homeowners policy that looks and acts just like a home insurance policy, and can even include a high content limit of 50% or more. Rest assured that if something goes wrong, you won’t have to miss the season because of our Guaranteed Replacement Cost package. The package covers you beyond the stated value your seasonal home is insured for in case you have to re-build a damaged cottage.

Watercraft Coverage. Having a boat insurance policy separate from your home policy gives you better coverage and value. Our watercraft insurance includes salvage coverage, extra protection for underage drivers, and coverage for jet boats and Sea-Doos. We have years of experience on the water and can offer you special discounts for boat safety training and  — just another way to help you save money.

ATV and Snowmobile Coverage. Because Manitoba’s Personal Injury Protection Plan (PIPP) benefits don’t apply to ATVs or snowmobiles, Coughlin Insurance and our insurers can offer you some coverage.