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Tag: cottage 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?

February 17, 2026

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

January 15, 2026

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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Business office desk with notebook written about plan listing of new year goals and resolutions

Insurance Resolutions: What to Update In the New Year

January 15, 2026

Most New Year’s resolutions are abandoned by the second week of February. This is one resolution that will protect you, your family, and your assets for the entire year—and it only takes a conversation. As the holiday decorations come down and the deep winter sets in across Orillia, Midland, and Muskoka, our thoughts naturally turn to the year ahead. We make promises to ourselves: to eat better, to exercise more, or to finally tackle that renovation project. But among the gym memberships and diet plans,

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two muskoka chairs on a dock overlooking a lake

Cottage Insurance in Ontario: Top 10 Benefits You Should Know

January 15, 2025

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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