As summer fades and the crisp air of fall rolls in, many cottage owners across Ontario start preparing to close up their seasonal properties for the year. While it’s always bittersweet to say goodbye to the lake, taking the right precautions before you leave can save you from expensive surprises come spring. Beyond the usual cleaning and packing, fall is the perfect time to review your insurance and make sure your cottage has the protection it needs while you’re away.
Why Cottage Insurance Is Different
Cottages aren’t quite like primary homes, and insurers treat them differently. Many are located in rural or remote areas, are used only part of the year, and can be more vulnerable to damage or theft during long stretches when nobody is around. That’s why seasonal property insurance is designed with these risks in mind.
Coverage typically includes protection for fire, water damage, vandalism, and liability – but not every policy looks the same. If your cottage is insured under your home policy, you might not have the same tailored protection as you would with a stand-alone cottage policy. This is why fall is such a crucial time to double-check the details.
Key Fall Insurance Tips
Protection Against Water Damage
Frozen pipes are one of the biggest risks for cottages left unheated over the winter. Before closing up, drain your water lines, shut off the supply, and consider antifreeze in drains. Some insurers may even require proof that plumbing has been winterized to keep water damage coverage valid.
Reduce the Risk of Theft
Vacant properties can attract unwanted attention. Remove valuables, secure doors and windows, and consider installing motion-sensor lights or cameras. Documenting your belongings with photos or a home inventory can also make claims smoother.
Fire Safety Matters
Fall is also a good time to inspect chimneys, wood stoves, or heating systems. Improperly maintained wood-burning appliances can increase the risk of fire, and insurers may ask for regular proof of inspection.
Waterfront Maintenance and Storage
Don’t forget about boats, docks, and other water toys. Lift boats out of the water or move them into secure winter storage to avoid ice and storm damage. Floating docks should be pulled out or secured properly, and all waterfront gear – from kayaks to paddle boards – should be cleaned, dried, and stored safely indoors or under proper covers. Protecting your equipment now helps prevent costly replacements and may even be a requirement for coverage.
Liability Protection
Even if you aren’t there, you’re still responsible if someone is injured on your property. Liability coverage in your cottage insurance protects you from legal and medical costs if accidents occur. This is especially important for properties with docks, boats, or large outdoor areas.
Talk to Your Broker Before You Lock Up
Every cottage is unique, and so is every policy. Your broker can help ensure your coverage matches your needs, whether that means adding endorsements for extra protection or updating your file to reflect changes in use.
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Closing your cottage is more than just shutting the door for the season – it’s about making sure your property is protected while you’re away. Reviewing your insurance now helps avoid gaps in coverage and ensures your cottage will be ready to welcome you back next spring without any unexpected headaches.
At Duliban Insurance, we specialize in tailored insurance for cottages across Ontario. Before you close up for the fall, reach out to us to make sure your seasonal property is properly protected.
