Secrets and Tips for Seasonal Property Insurance.

Secrets and Tips for Seasonal Property Insurance.


Picture this. It’s finally beginning to warm up – spring is in full flow and summer is just around the corner. You’ve had a good year and your eyes are fixated on that cottage you’ve always wanted. It’s finally time. However, once that little slice of heaven is in your name, it’s time to insure it to make sure that unwanted repair and replacement bills don’t turn this dream into a nightmare. Here are some tips to help you sleep soundly at night!


Water Damage

Many people think that the biggest danger to a cottage is fire damage or theft; however, that might not be the case. If the cottage is being used year-round, the possibility of water damage often turns into reality. This is why it is important to install temperature and water alarms – if there is potential for the pipes to freeze or for flooding to occur, you want to know before it happens. Moreover, it is important to shut off the water supply and drain your pipes during the cooler months – when the cottage is closed – so that you don’t come back to a disaster during the warmer months.


Don’t Become Complacent.

Insurance exists so that if something was to happen that was out of your control, you would be covered. If massive gusts of winds and wild environmental occurrences cause damage to your boat, for example, you will most likely be alright. However, if you simply forgot to tie your boat up and it floats away with the tide, that’s on you. It is important to be alert and on top of things – complacency can cost you in more ways than one down the line!


Fire Services

Something that many might not actively consider is the distance from the cottage to a fire hydrant or fire hall. It seems obvious when laid out – if your cottage catches on fire, and there is no resource nearby to put the fire out, then you’re in a world of trouble. The longer the blaze rages on, the more damage it does, the more your insurance costs – you get the idea. This is why it is important to be mindful of such resources and services as they can me a sizeable difference to your insurance premium!


Heating Methods

Speaking of fire, one thing insurance agencies have in common with cottage-owners is that they would rather a cottage not catch on fire. Fire may have been the catalyst for all human advancement, but it is frowned upon in this context. This is why it is important to keep in mind how you will heat up your cottage. Using oil heating is generally a no-no because of the potential of a leak and a wood burning stove that is not WETT (Wood Energy Technology Transfer) certified might even lead to insurance agencies outright refusing to insure you. Sticking with gas, propane, or electric heating is the way to go.


Investing in a maintenance plan is also a great way to avoid common claims – something that will easily pay off in the long run. Cottages can be quite expensive if left to their own devices – but it is pretty easy to keep your paradise from turning into a disaster with the right help. At Hubbard Insurance, we are determined to help you make the best decisions for you and your family. The tips and secrets listed above will hopefully go a long way in helping you make those tough decisions for a prosperous future. To learn more about seasonal property insurance or to get a free quote, contact one of our brokers now at This email address is being protected from spambots. You need JavaScript enabled to view it. or give us a call at 905-696-9090. 



Source: Economical.

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