Winterizing your cottage saves insurance costs

by | Oct 5, 2023 | Finance and Business

Do you feel that? There’s that recognizable chill in the air. Fall’s back with its shorter days and changing leaves. It’s time again to shut down the cottage for the winter.

You spend so much time and money on your family cottage, that it only makes sense to do all you can to protect it. By being as thorough as possible, you’ll not only keep out the weather and little critters but, according to Desjardins General Insurance, you’ll also keep your property insurance costs down by reducing the chance of damage over the winter and any resulting claims.

Keep in mind that closing your cottage can take up to four weekends. Aim to be finished by the Thanksgiving weekend because the cold and frost tends to arrive earlier in cottage country.

Here’s a brief checklist to help you stay organized:

  • Take a good look around your entire property. Identify anything that may need an emergency repair before you close for the season and make sure there’s time to get it done. A good example is roof repairs because snow and ice over the winter could make the problem much worse.
  • Animal and weatherproof your place:
    • Clean out the gutters and the chimney. Before you leave for the season, be sure to cover the chimney to keep out the weather and animals.
    • Check for and seal any small openings.
    • Secure and seal all the windows and doors.
  • Make your cottage burglar-proof. Ultimately, you want your place to look as uninteresting as possible. If you have a gate at the entrance of your driveway, chain it up. Tidy up outside, packing up all outdoor furniture and removing any fire hazards. Inside, close your blinds, curtains and/or shutters.
  • Clean out your kitchen and fridge. Canned food can expand and possibly explode over the winter and other food items can attract mice. Leave your cupboards spotless so that you won’t come back to any surprises in the spring. If you’d rather not bring it all the way back to the city, consider throwing an end-of-season party for your neighbours or donate it to a local food bank.
  • Turn off the water, electricity and in some cases the natural gas or propane. Be sure to drain the pipes to prevent freezing and cracking. Pouring environmentally friendly non-toxic antifreeze (used in RVs) into your toilets is a good idea if you’re unable to drain them completely.

For more tips on how to save money on your cottage insurance, visit desjardinsgeneralinsurance.com

Related Content

4 tips for helping your kids buy a home

4 tips for helping your kids buy a home

With housing affordability shifting dramatically for a generation of Canadians, many hopeful homebuyers are turning to the “Bank of Mom and Dad” to help them secure their first home. While it’s natural for some parents to want to help their kids get a leg up in the...

read more
5 tips to get action on a consumer complaint

5 tips to get action on a consumer complaint

We’ve all experienced bad service at some point. While we have our thresholds of what we’re willing to tolerate, sometimes issues go beyond high prices or impolite customer service. If a company ignores their policies or doesn’t follow the rules, by overcharging you...

read more
Advice to help you pay off your mortgage faster

Advice to help you pay off your mortgage faster

Looking for ways to pay off your mortgage faster? Even small steps over time can make a big difference in how long it takes you to become mortgage-free. You’ll typically have opportunities to make changes to your mortgage that can help. Some of them you can make at...

read more
A new incentive to green-up your fleet

A new incentive to green-up your fleet

With companies increasingly focused on environmental, social and governance best-practices, looking for ways to reduce their carbon footprint is a top priority for many of them. But investing in green products and materials often costs more than the conventional...

read more
5 tips to keep your farm animals safe

5 tips to keep your farm animals safe

During escalating challenges such as wildfires, flooding, extreme temperatures and the threat of viruses, the well-being of your animals is important. From comprehensive emergency planning to biosecurity measures and careful feeding practices, here are five tips to...

read more