What type of insurance is most appropriate for a cottage used year-round that shares features of a primary residence?

The most appropriate type of insurance for a cottage used year-round that shares features of a primary residence is the Seasonal Homeowners form. This type of policy is specifically designed for homes that are not occupied on a full-time basis but are used seasonally, which includes situations where the property is occupied year-round to some extent but shares characteristics with both a primary residence and a seasonal dwelling.

The Seasonal Homeowners form provides coverage for the dwelling itself as well as personal property and liability protection suited for homes that may not be continuously inhabited. This is distinctly relevant for a cottage since it is likely to be located in a recreational area and may have features more aligned with a second home rather than a full-time residence.

In contrast, a Single Family Homeowners form typically pertains to properties that are the primary residence of the insured, which may not adequately cover a cottage that is used year-round. Tenant insurance is aimed at renters and does not provide necessary coverage for the property itself, making it unsuitable for homeowners. Short-term Rental Insurance is tailored for properties rented out on a temporary basis, which would not apply if the cottage is primarily for personal use year-round. Thus, the Seasonal Homeowners form is the best fit given the context of the cottage's usage.