Preparing Your Cottage for Winter: How to Avoid Insurance Surprises

September 17th, 2025  |  Insurance

Ontario winters can be harsh, and if your cottage isn’t closed correctly, you could face serious risks, from burst pipes to coverage complications. Many cottage owners underestimate how vacancy rules and maintenance requirements affect their policies. The good news? With the proper preparation, you can protect your getaway and keep your coverage secure until next season.

Key Cottage Closing Tips

1. Shut Off and Drain Water Systems: Frozen pipes top the list of expensive winter disasters. Turn off the main water supply, drain all lines, flush toilets, and consider adding antifreeze to drains for extra protection.
2. Protect Against Theft and Vandalism: An empty cottage is vulnerable. Remove valuables, lock doors and windows, and consider adding motion-sensor lights or security cameras to deter intruders.
3. Winterize Heat and Utilities: Decide whether to leave the heat on at a low setting (with regular check-ins required by many insurers) or to fully winterize and shut down. Either way, make sure your plan is consistent with your insurance policy requirements.
4. Inspect Roof and Gutters: Ontario winters bring heavy snow and ice. Clean out gutters, remove debris, and check the roof for damage. Weak shingles or clogged eavestroughs can lead to leaks and costly repairs.
5. Insurance Matters: Leaving a seasonal property vacant can impact your coverage. Many policies have strict rules about vacancy, inspections, and maintenance. Not informing your insurer could mean a denied claim if something goes wrong. Always update your insurance professional before locking up for the season.
6. Hire a Local Property Manager: Snow buildup, ice damage, or unnoticed leaks can create major problems. A trusted local property manager can perform regular inspections, arrange snow removal, and ensure your cottage stays safe. In fact, some policies require a responsible adult to check in periodically.

Additional Smart Closing Tips

• Unplug appliances to prevent fire hazards.
• Store outdoor furniture in a shed or garage to prevent wind damage.
• Seal entry points like vents or chimneys to keep pests out.
• Document your property with photos for insurance purposes before leaving.

Take proactive measures this fall to ensure your cottage will make it through the winter and provide you with lasting memories for years to come.