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John Fleming Insurance - Burnaby BC Insurance Broker

Get the right seasonal dwelling insurance coverage with real help.

Coverage for cottages and vacation properties. Clear protection for seasonal homes.

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Cabins and seasonal homes are used differently than your main residence, and they face different risks—from being vacant more often to being harder to access in an emergency.

We help owners across Burnaby, the Lower Mainland, and all of British Columbia insure vacation properties and seasonal dwellings throughout the province. As an independent brokerage, we work with insurers such as Aviva, Cansure, Forward, Gore, Intact, Max Insurance, Optimum West, Peace Hills, and Wawanesa to find coverage that fits how often you use the place, what's stored there, and what kind of access and services are available.

If you're not sure how your seasonal home should be insured, we can walk you through it.

Coverage Options

Protection tailored to properties used part of the year.

Coverage for injury or property damage at your seasonal property.

Protection for belongings kept at your cottage or vacation home.

Additional protection for water-related risks at seasonal properties.

Coverage options that match how often and when you use the property.

Use your cottage seasonally or year-round? We'll help you choose coverage.

Frequently Asked Questions

Properties not used as year-round primary residences.

Depends on eligibility and insurer options.

Yes — coverage varies based on usage and risks.

It depends on access, heating, and location.

Yes — we can help with multi-property plans.

Not sure how much coverage you need? We can help assess the risks.

Trusted by Burnaby families for over 40 years.

Ready to get covered?

Let's get your quote started. We can walk you through the steps.

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