Getting your cottage, trailer or cabin ready for the Summer season has arrived! As May rolls in and the Victoria Day long weekend approaches, Ontarians start flocking north to open their summer cottages, trailers, and cabins. Whether your getaway spot is tucked into the woods, perched by a lake, or nestled in a campground, opening your seasonal property properly can save you from headaches—and insurance claims—down the road.

Here’s a checklist to help you prepare your home away from home for a safe and relaxing summer.

1. Safety First: Arrive Prepared

Before you even pull into the driveway or campsite, it’s a good idea to arrive equipped. Bring along:

  • Flashlights or lanterns

  • Work gloves and boots

  • A basic tool kit

  • Cleaning supplies

  • Drinking water

  • First aid kit

Cottages and trailers that have sat empty for several months can present surprises—from fallen branches to uninvited critters—so it’s best to be ready for anything.

2. Check for Winter Damage

The freeze-thaw cycle, snow loads, and ice can all take a toll on seasonal properties. Start with a thorough inspection of:

  • Roof: Look for missing shingles, sagging, or signs of water damage.

  • Eavestroughs and Downspouts: Clear out leaves and debris to ensure proper drainage.

  • Siding and Foundation: Check for cracks, shifting, or holes that pests might exploit.

  • Windows and Doors: Test for proper seals and any signs of warping or broken locks.

If anything looks questionable, take photos and make a list of needed repairs. This is also a good time to check your insurance policy for any applicable coverage for seasonal home damage.

3. Turn On Utilities with Care

Once you’ve given the exterior a once-over, move inside and begin restoring utilities, one step at a time:

  • Electricity: Check the panel for any tripped breakers. Inspect wires for signs of rodents. If everything looks good, turn the main power on.

  • Water: If you shut off the water in the fall, carefully turn it back on. Watch for leaks, and listen for strange noises in your pipes.

  • Propane or Natural Gas: Inspect all connections and test your appliances. If you smell gas, shut off the main valve and call a technician immediately.

Always follow manufacturer instructions when restarting hot water tanks, gas stoves, and furnaces.

4. Check for Pests

It’s not unusual to find some “squatters” in a closed-up cottage or trailer. Mice, ants, wasps, and even raccoons may have moved in over the winter. Look for:

  • Droppings or chewed food packages

  • Nests in corners or vents

  • Holes in walls or screens

If the infestation is serious, it might be time to call a professional. Once the critters are gone, take preventative steps like sealing holes, installing screens, and storing food in airtight containers.

5. Restock and Refresh

Now that everything’s clean and running smoothly, it’s time to make your summer home feel like, well, home again. Replenish the pantry with non-perishables, check expiry dates on first aid supplies, and restock toiletries and linens. Don’t forget:

  • Batteries for smoke and carbon monoxide detectors

  • Fresh fire extinguishers

  • Flashlight batteries and spare bulbs

  • Sunscreen and bug spray

If you have a BBQ, give it a good cleaning and test it out. And remember to check that your firepit or outdoor grill meets local fire safety regulations.

6. Review Your Insurance Policy

Did you buy a new canoe, kayak, or off-road vehicle over the winter? Are you renting out your cottage on Airbnb this summer? These changes can impact your seasonal property insurance.

It’s smart to review your policy each spring to make sure:

  • Your coverage limits are up to date

  • Your valuables and outbuildings are included

  • You have liability coverage, especially if you entertain guests

If you’re unsure, your insurance broker can walk you through your options and suggest any updates that give you peace of mind.

7. Enjoy Responsibly

Once everything’s open, cleaned, and inspected, it’s time to relax! Whether you’re boating, barbecuing, or simply enjoying the sunset with a cold drink, remember that safety and courtesy go a long way in cottage country.

Remember to keep noise levels down, follow boating laws, and store alcohol responsibly—especially if children or visitors are around.

Getting your cottage, trailer, or cabin ready for summer is a bit of a ritual in Ontario—a mix of work and excitement that sets the tone for the season. Taking a little extra care now can prevent costly repairs and insurance claims later. If you ever have questions about your seasonal property insurance, our team is here to help.

Here’s to a safe, sunny, and relaxing summer season!