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 broker, we work for you, the client, and not for the insurance company. This allows us to provide unbiased advice on your coverage options and ensure you have peace of mind through the most complete insurance solution for your property.
Common Risks in Cottage Country
Understanding the most frequent risks is the first step in ensuring you are well protected.
- Water Damage (Plumbing and Pipes): Burst pipes due to freezing are a leading cause of loss in Ontario. If a cottage isn’t properly winterized or the heat fails, a single burst pipe can cause catastrophic damage before it is discovered.
- Falling Trees and Windstorms: The very trees that provide shade and privacy in Muskoka can become liabilities during a storm. Damage from falling trees is a frequent claim in heavily forested regions.
- Sewer Backup and Groundwater: With cottages often located near lakes or on low-lying land, groundwater intrusion and sewer backups, especially with septic systems, are significant risks.
- Theft and Vandalism: Because many cottages are seasonal or vacant for long periods, they are prime targets for the theft of expensive equipment, electronics, and appliances.
- Fire (including Shoreline and Forest Fires): Remote locations can mean longer response times for fire services. Lightning strikes or unattended campfires can quickly lead to a total loss.
- Liability (Dock and Water Safety): If someone gets hurt on your dock, you could face a significant liability claim.
- Damage During Renovations: Many owners update their properties, but failing to have “builder’s risk” insurance during a renovation can lead to denied claims.
Why Local Expertise Matters
We aren’t just names on a policy; we are your neighbours, your friends, and your colleagues. Because we live and work in the communities we serve, we understand the specific climate challenges and local risks of our region. Our team has decades of experience dealing with insurance companies and their claims departments, giving us the knowledge and strength to advocate for you.
Have questions about seasonal insurance? Call us at 705-325-4461 or contact us through this site to connect with one of our friendly Personal Lines insurance brokers.