When I went to my cottage for the first time after the winter, I noticed that one of the porch steps was rotting away. I was going to replace it, but before I had a chance, the next-door neighbour appeared. Sure enough, he started up the steps and fell through the rotting wood, injuring his leg. As I watched him hobble away, muttering under his breath about my "negligence," I began to worry about what would happen if he sued me. Would I be covered? -- Nervous Nellie

Dear Nellie:

Talk about your rotten luck! Unfortunately, you may not have a leg to stand on -- unless you have arranged to extend the liability insurance on your home or tenants policy to include your cottage. It costs only a few extra dollars, but it could save you a bundle if your irate neighbour decides to go a step further and sue you.

You may already have separate insurance for your cottage. This likely covers the dwelling and/or its contents, but not your personal liability. It's cheaper and easier to simply extend the liability coverage from your homeowner's policy. But don't assume this will be done automatically; you must request it of your insurance provider.

Get the protection you need at your cottage, so you can spend a relaxing summer by the water -- instead of in hot water!

Note: Remember, policies vary, so when in doubt, consult your insurance representative.