Day: July 15, 2026

For many Ontario families, a cottage isn’t just a piece of real estate—it’s a sanctuary where multi-generational memories are made. Whether your retreat is nestled among the pines of Muskoka, resting along the rocky shores of Georgian Bay, or sitting quietly by a lake in the Kawarthas or Haliburton, it represents a major emotional and financial investment. However, leaving a property unoccupied for weeks or months at a time exposes it to unique risks that standard home insurance isn’t built to handle. If a hidden