Category: Seasonal Insurance

Two red Muskoka chairs sit facing the sunrise on a dock

Why Do Many Ontario Property Owners Find Themselves Underinsured When the Unexpected Happens at the Lake?

Many people assume that their seasonal property is naturally covered under their primary home insurance, but this “set it and forget it” mentality often leads to devastating financial gaps. Because cottages are often left vacant for long periods and are located in areas with unique geography, they face a specific set of hazards, from falling trees to frozen pipes, that a standard homeowners’ policy may not fully address. At McLean & Dickey, we have been providing outstanding insurance solutions since 1922. As an independent insurance

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couple dressed in colourful sweaters entering their cottage with firewood during the winter

Avoid Winter Cottage Claims with These Tips

Picture arriving at your cottage on the first warm weekend of spring, looking forward to a relaxing lakeside retreat. Upon unlocking the door, instead of the inviting scent of cedar and old books, you hear running water and see a buckled floor. This is a familiar concern for cottage owners in Muskoka and Orillia: discovering that a winter of heavy snow and freezing temperatures has wreaked havoc on your sanctuary while you were away. Winter in our region is undeniably beautiful, but it brings distinct

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Fire Danger sign showing high risk of forest fires

Ontario Cottage Insurance – An Essential Safety Net for Homeowners

The Climate Crunch: Cottage Country at Risk. Advice You Can Trust | From Your Team at McLean & Dickey A shift is underway across Ontario’s cottage country, from Rural Orillia, Barrie and Midland to iconic Muskoka. For cottage owners who cherish the summer breezes on Georgian Bay or the peace of Muskoka’s lakes, recent winters and summers offer troubling glimpses of what climate change could mean for their cherished retreats. Cottage insurance is becoming an essential safeguard in light of these emerging risks 1. Intensifying

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two muskoka chairs on a dock overlooking a lake

Cottage Insurance in Ontario: Top 10 Benefits You Should Know

Ontario’s picturesque landscapes are dotted with charming cottages, offering residents and visitors alike a serene escape from the hustle and bustle of city life. These cherished retreats, whether nestled by a tranquil lake or tucked away in a dense forest, represent more than just a property investment – they’re a sanctuary for creating lasting memories with loved ones. However, owning a cottage comes with its unique set of challenges and risks. This is where cottage insurance steps in, providing a crucial safety net for your

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group of snowmobile riders on a snowy trail

‘Tis the Season: 3 Things You Need to Know About Snowmobile and Motorcycle Insurance

Old Man Winter is definitely here. Christmas lights are twinkling and if you own a snowmobile, you’re already counting the days until there’s enough of the white stuff to hit the trails. On the other hand, if you own a motorcycle, you’ve already parked it for the season and like some people, you may be considering cancelling your seasonal insurance policy in order to save some money. Before you pick up the phone to talk to your broker, here are three things to consider about

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