Seasonal dwellings—cottages, cabins, and vacation homes—are a cherished part of Canadian living, offering peaceful getaways for owners and guests alike. But because these properties often sit vacant for long stretches, they come with distinct insurance challenges. Here’s what you need to know about insuring a seasonal home in Canada.

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Risks for Seasonal Dwellings

• Property Damage
Long periods of vacancy can increase the likelihood of damage from water leaks, fire, or severe weather.

• Vandalism & Theft
Unoccupied homes, especially in rural or secluded areas, are more vulnerable to break-ins and vandalism.

• Freezing Risks
In colder climates, pipes can freeze and burst if the property isn’t properly winterized, resulting in extensive water damage.

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Key Insurance Considerations for Seasonal Dwellings

• Vacancy Clauses
Many standard policies include limitations or exclusions once a property has been vacant beyond a set timeframe—often around 30 days.

• Seasonal Home Insurance
Seek out policies designed specifically for seasonal properties, offering coverage for property damage, liability, and weather-related incidents.

• Vandalism & Theft Coverage
Ensure your policy includes protection against vandalism and theft, particularly if the property is in an area with elevated risk.

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Tips for Protecting Your Seasonal Property

• Winterize the Property
Drain plumbing, maintain appropriate heat levels, and seal the home properly to prevent freezing and other cold-weather damage.

• Regular Inspections
Visit the property periodically—or arrange for someone else to do so—to check for signs of damage, pests, or unauthorized entry.

• Alarm Systems
Install cameras, motion detectors, or alarm systems to deter intruders and add peace of mind.

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Final Thoughts

Seasonal homes offer a wonderful escape, but they require thoughtful insurance planning to guard against potential risks. The right coverage, paired with preventive measures, helps protect your investment year-round.

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.