How do you define it?
The word -cottage-, one of our dictionarys says a hut or vacation home. Another says a small house. I confess I've probably never used the word at all but I'm reading a book by P.D. James and some of the English terms elude me. They mention living in a squat. What in he!! is a squat? Just about all of the Brit-isms I can at least guess at by where they are used but some I have no idea.
I suppose an idealistic picture forms in my mind of a cozy small house surounded by gardens and that would be a cottage.
Oh well, we have cottage pudding and cottage cheese but I know what those are