As the warmer weather rolls in across Ontario, many families are getting ready to open their cottages, dust off their trailers, and plan long weekends away. For others, summer may mean renting a cottage by the lake or taking the trailer out for a cross-country adventure. No matter how you plan to enjoy the season, it’s important to make sure you’re properly prepared — and properly protected.
Before the first BBQ, bonfire, or boat ride of the season, take a few moments to think about the risks that can come with seasonal properties and recreational travel.
Opening Your Cottage for the Season
After months of sitting vacant through the winter, cottages can be vulnerable to hidden damage or maintenance issues. Before settling in, it’s a good idea to complete a full inspection of the property.
Check for:
- Water damage or frozen pipes
- Roof leaks or missing shingles
- Damage caused by animals or pests
- Electrical or heating system issues
- Fallen trees or property damage from winter storms
It’s also important to test smoke alarms, carbon monoxide detectors, and fire extinguishers. Many cottage fires and accidents happen because safety devices are outdated or not functioning properly.
If you’ve recently completed renovations or purchased new outdoor equipment such as docks, boats, or ATVs, make sure your insurance coverage reflects those updates. Your policy should keep pace with the value of your property and belongings.
Getting Your Trailer Road-Ready
For trailer owners, spring is the perfect time to inspect and prepare for safe travel. Whether you own a travel trailer, fifth wheel, or camper, regular maintenance can help avoid costly breakdowns and accidents during the busy summer season.
Before heading out:
- Inspect tires for wear and proper inflation
- Test brake lights and signal lights
- Check hitch connections and safety chains
- Inspect propane systems and batteries
- Confirm your registration and insurance are up to date
Many people assume their auto policy automatically covers their trailer, but coverage can vary depending on the type of trailer, how it’s used, and what’s inside it. Personal belongings, attached equipment, or liability protection may require additional coverage.
If you’ve upgraded your trailer or added expensive accessories, now is the time to review your policy to ensure you’re adequately protected.
Renting a Cottage or Trailer This Summer?
Vacation rentals have become increasingly popular, but many renters don’t realize they could still be financially responsible if something goes wrong during their stay.
If you’re renting a cottage or trailer:
- Ask questions about insurance and liability
- Understand what you are responsible for as a renter
- Secure valuables and personal belongings
- Review cancellation policies before booking
- Confirm whether your own home or tenant policy extends coverage while travelling
Accidents can happen unexpectedly — from water damage and fire to guest injuries or theft. Having the right insurance in place can help provide peace of mind while you enjoy your getaway.
Don’t Forget About Liability Coverage
Summer activities often mean inviting friends and family to your cottage, campsite, or trailer. Unfortunately, injuries can happen anywhere — around campfires, on docks, or while enjoying recreational activities.
Liability coverage is one of the most important parts of your insurance policy. It can help protect you financially if someone is injured or if accidental property damage occurs.
Whether you own, rent, or borrow a seasonal property or trailer, reviewing your liability limits with your broker is always a smart idea before summer begins.
Enjoy Summer with Confidence
Summer is meant to be relaxing, fun, and memorable — not stressful. Taking the time to prepare your cottage or trailer now can help prevent surprises later and ensure you’re protected throughout the season.
At SurNet, we’re here to help you review your coverage, answer your questions, and make sure your insurance fits your summer lifestyle.
Contact our team today for a policy review before your next summer adventure begins.
