Tips for a safe and protected long weekend is great to have throughout the summer. Civic Holiday long weekend is one of the most anticipated breaks of the summer in Ontario. Whether you’re heading to the cottage, enjoying a backyard barbecue, or taking a road trip to explore the province, this extra day off offers the perfect opportunity to relax with family and friends. But before you pack the cooler and hit the highway, it’s important to consider both safety and insurance to ensure your weekend remains memorable for all the right reasons.

Road Safety for Holiday Travel

Civic Holiday is one of the busiest weekends for travel in Ontario. Highways and rural roads see a significant increase in traffic as families make their way to cottages, campgrounds, and local festivals. Here are a few tips to stay safe:

  • Plan Ahead: Give yourself extra time to reach your destination. Heavy traffic can lead to frustration and riskier driving decisions.

  • Check Your Coverage: If you’re renting a car or towing a trailer, confirm with your broker that you’re covered for these activities. Not all policies automatically include coverage for trailers or rental vehicles.

  • Avoid Distracted Driving: Ensure GPS directions, music playlists, and calls are set up before you start driving so you can focus fully on the road.

  • Share the Road: Watch for cyclists, motorcyclists, and pedestrians, especially on rural roads where summer activities are common.

Cottage and Recreational Property Protection

For many Ontarians, the long weekends means a weekend at the family cottage, trailer, or cabin. While these getaways are meant for relaxation, they come with unique risks:

  • Fire Safety: With campfires and barbecues in use, it’s essential to keep water or an extinguisher nearby and never leave flames unattended.

  • Boat and Watercraft Insurance: If your plans include boating, confirm that your watercraft is insured and review safety requirements, such as mandatory lifejackets and operator cards.

  • Theft Prevention: Seasonal properties can be attractive to thieves. Ensure doors and windows are secure, and consider outdoor lighting or cameras for added security.

Barbecue and Backyard Safety

Many families stay closer to home and celebrate with a backyard barbecue. While it’s a fun and low-cost way to spend the weekend, accidents can happen if safety is overlooked:

  • Grill Placement: Keep barbecues at least three feet from siding, railings, and overhanging branches.

  • Supervision: Never leave the grill unattended when in use, and keep children and pets at a safe distance.

  • Insurance Check-In: Fire damage from barbecues or fireworks may be covered under your home insurance policy, but it’s wise to review your coverage and ensure you’re adequately protected.

Protecting Your Home While You’re Away

If you’re heading out of town, don’t forget about your home. A few simple steps can deter break-ins and prevent damage:

  • Lock all doors and windows and consider using timers for lights to give the appearance someone is home.

  • Ask a neighbour or friend to collect mail or check in while you’re away.

  • Shut off unnecessary electronics and, if possible, turn off the main water supply to prevent potential leaks.

Review Your Insurance Before the Weekend

This long weekend is a great reminder to check your home, auto, and recreational insurance policies. Life changes quickly—new vehicles, cottages, or even a boat purchase may not automatically be covered unless you’ve informed your broker.

Our team at SurNet Insurance Group Inc. is here to help ensure you have the right protection for your summer plans. If you’re unsure about your current coverage or have questions about specific activities, reach out to us before the long weekend.

Enjoy a safe and happy Civic Holiday!