Seasonal

The Real Cost of Frozen Pipes (and How to Avoid a Winter Insurance Claim)

Home, Seasonal / Duliban Insurance Brokers

It happens every year: the first deep freeze arrives sooner than expected, and suddenly homeowners are dealing with the unpleasant surprise of frozen pipes. What starts as a small blockage can quickly turn into a major problem, leading to burst pipes, flooding, and thousands of dollars in repairs. Understanding how frozen pipes happen, what […]

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Early Snow, Slippery Roads: What Happens If You Haven’t Changed Your Tires Yet?

Automobile, Seasonal / Duliban Insurance Brokers

The first snowfall always seems to sneak up on us. One week you’re raking leaves, the next you’re brushing snow off your windshield and sliding out of your driveway wondering, “Is it really winter already?” If you haven’t changed your tires yet – you’re not alone. But before you chalk it up to bad timing,

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Managing Your Home From Florida: How Snowbirds Really Do It

Property, Seasonal / Duliban Insurance Brokers

For thousands of Canadians, escaping winter is a lifestyle, not a vacation. When the first frost hits, snowbirds are already planning their drive or flight to Florida, Arizona, or somewhere warm enough to trade boots for sandals. But life as a snowbird also comes with a question most people don’t fully consider until they do

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What to Know Before Insuring Your Snowmobile This Winter

Recreation, Seasonal / Duliban Insurance Brokers

When the first snow hits, most people reach for a shovel, but snowmobile owners reach for their keys. Whether you ride casually on the cottage trail or spend weekends carving fresh powder, gearing up your sled for winter takes more than a tune-up and a tank of fuel. The right prep also includes making sure

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The Spookiest Things Actually Covered by Insurance (Yes, Real Stories)

Seasonal / Duliban Insurance Brokers

Halloween has a way of turning everyday homes into mini haunted houses, and sometimes, those decorations and festivities come with unexpected side effects. From runaway inflatables to overambitious DIY electrical setups, October seems to inspire some of the strangest claims homeowners make all year. Here are a few real (and surprisingly common) Halloween mishaps

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9 Yard Clean-Up Hacks for a Wet Ontario Fall

Lifestyle, Seasonal / Duliban Insurance Brokers

Fall cleanup is a chore in any year, but a wet October makes it even trickier. Saturated lawns, clogged gutters, heavy leaves and lingering moisture can snowball into bigger problems once temperatures drop. The good news? A few smart hacks can turn fall yard prep from an uphill battle into a manageable weekend project, without

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Are You Liable if Someone Gets Hurt on Your Property This Halloween?

Home, Seasonal / Duliban Insurance Brokers

More Visitors Means More Risk Halloween is one of the few times of the year when homeowners intentionally invite dozens of people onto their property – many of them children, walking in the dark, distracted by costumes, candy, and excitement. When someone steps onto your walkway or porch, you take on something called a duty

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Charting Ontario’s Late-Summer Boating Routes

Recreation, Seasonal / Duliban Insurance Brokers

For many experienced boaters, the real thrill of summer isn’t simply being on the water – it’s the journey itself. Charting a course, setting off from familiar marinas, and weaving your way through Ontario’s waterways offers an unmatched sense of freedom. As summer draws to a close, this is the perfect time to map out

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Protecting Your Summer Toys: What Insurance Covers and What It Doesn’t

Recreation, Seasonal / Duliban Insurance Brokers

There’s nothing quite like summer in Canada. Long weekends, cottage escapes, and afternoons spent on the lake or trail are what memories are made of. Whether it’s launching your jet ski, hitching up the trailer, or kicking up some dust on your ATV, those summer toys bring freedom and fun. But before the adventures begin,

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Storm-Proofing Your Cottage: Preparing for a Wild Canadian Summer

Cottage, Seasonal / Duliban Insurance Brokers

When we picture cottage season in Canada, it’s often lazy afternoons on the dock, crackling bonfires, and peaceful, unplugged weekends. But summer also brings unpredictable weather – especially in rural and lakefront areas where cottages are often located. Heavy rain, windstorms, hail, and even localized flooding can turn a weekend escape into a property

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Garden Sheds, Pools & Backyard Upgrades: Are You Properly Insured?

Home, Seasonal / Duliban Insurance Brokers

As the weather warms up, many homeowners start thinking about backyard improvements—whether it’s installing a new pool, building a shed, adding a deck, or even upgrading an outdoor kitchen. These additions can increase your home’s value, enhance your outdoor space, and provide endless enjoyment. But before you start planning your dream backyard, there’s an important

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Spring Pest Infestations: Does Your Home Insurance Cover the Damage?

Lifestyle, Seasonal / Duliban Insurance Brokers

As temperatures rise and nature comes back to life, spring brings more than just blooming flowers and longer days—it also signals the return of pests. Homeowners often face unwelcome visitors like termites, rodents, ants, and other seasonal pests, which can cause structural damage and lead to costly repairs. But when an infestation happens, does your

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The Real Cost of Frozen Pipes (and How to Avoid a Winter Insurance Claim)

Early Snow, Slippery Roads: What Happens If You Haven’t Changed Your Tires Yet?

Managing Your Home From Florida: How Snowbirds Really Do It

What to Know Before Insuring Your Snowmobile This Winter

The Spookiest Things Actually Covered by Insurance (Yes, Real Stories)

9 Yard Clean-Up Hacks for a Wet Ontario Fall

Are You Liable if Someone Gets Hurt on Your Property This Halloween?

Charting Ontario’s Late-Summer Boating Routes

Protecting Your Summer Toys: What Insurance Covers and What It Doesn’t

Storm-Proofing Your Cottage: Preparing for a Wild Canadian Summer

Garden Sheds, Pools & Backyard Upgrades: Are You Properly Insured?

Spring Pest Infestations: Does Your Home Insurance Cover the Damage?

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