Closing Up for the Season
As the weather cools and leaves start to fall, many Ontario families are packing up their cottages and seasonal homes. But before you lock the door for the last time, it’s worth asking—is your cottage properly insured through the winter?
At Thomas Carberry Insurance, we’ve helped homeowners in Alliston, Caledon, and across Ontario protect their seasonal properties for over 30 years. Here’s what to know before you close up for the year.
Why Seasonal Insurance Matters
Your primary home insurance policy usually doesn’t cover a secondary property or cottage. Seasonal property insurance provides dedicated protection for homes that are only used part of the year—whether it’s a lakeside retreat or a family cabin.
Coverage can include:
- Property Protection – Covers damage to the building from fire, theft, vandalism, or storms.
- Personal Belongings – Protection for the furniture, tools, or recreational gear you leave behind.
- Liability Coverage – If someone gets injured on your property while you’re away.
- Additional Coverage Options – Such as boathouses, docks, sheds, or outdoor structures.
Common Fall Risks for Cottages
Cottages face unique risks once temperatures drop:
- Frozen pipes – Burst pipes can cause thousands in water damage.
- Roof damage – Heavy snow loads and ice dams put stress on older roofs.
- Theft or vandalism – Vacant properties are more vulnerable in the off-season.
- Animal intrusion – Wildlife seeking warmth can damage insulation, wiring, or furniture.
A quick insurance review ensures your policy covers these scenarios, so you’re not caught off guard come spring.
Simple Steps Before You Leave
Insurance works best when paired with good prevention. Before you head home for the season:
- Drain and shut off your water lines.
- Unplug appliances and empty the fridge.
- Secure windows, doors, and outbuildings.
- Update your insurer if you’ve made renovations or purchased new equipment.
Local Expertise You Can Trust
At Thomas Carberry Insurance, we know what it means to live and work in rural Ontario. Whether your cottage is a seasonal escape or a year-round home, we’ll help you find the right coverage to protect it through the off-season.
Protect Your Cottage This Winter
Your cottage is more than just a getaway—it’s a part of your family’s story. Make sure it’s protected year-round with seasonal insurance that fits how you actually use it.
Contact Thomas Carberry Insurance today to review your coverage before the cold weather sets in.