Whether you're looking for energy savings or off-the-grid living, consider solar.

Solar packages include panels, batteries to store energy and an inverter (which converts DC energy from batteries to the AC of cottage wiring), plus hardware.

To determine your optimal system size, consider load (the total electricity draw of all appliances) and use (how much/often you use each item). Multiply the wattage draw of each appliance by the estimated time of daily use. Finally, factor in how much sun you get in your area.

Some insurers offer coverage for cottages with solar panels. Talk to your broker to learn more. You'll need to provide details about the panels and backup system, as there may be coverage limits accounting for their value.