Checklist For Closing Your Cottage For The Winter

Checklist For Closing Your Cottage For The Winter

Due to COVID-19, many Canadians used their cottage more than ever this year. However, as the summer gives way to fall, we must prepare our cottage for colder months. Unless your cottage is winterized, it’s time to close up your favourite vacation spot until next spring.

Did You Know?


Most Canadians close their cottage in the month of October 
Water damage and vandalism make up most insurance claims for cottages during the winter months. If you own a cottage or other rural seasonal property, consider the following checklist to help protect your summer home during the off-season:

Physical Damages

  • Inspect the roof and replace any broken shingles to avoid water damage.
  • Shut off the water and drain plumbing: Stagnant water can freeze in the pipes potentially causing them to burst.
  • Trim any over-hanging and dead branches near the cottage. The weight from the snow can cause branches to snap and potentially damage the property.
  • Remove potential fire hazards such as loose papers, newspapers, old rags, and chemicals and turn off all utilities/appliances.
  • Make sure the eavestroughs are clear of leaf buildup and saplings which can obstruct drainage when the snow melts in the spring.

Unwanted Visitors

  • Cottages are especially vulnerable during the off-season due to infrequent or absent inhabitants. It is important to pack up all food so as not to attract animals into the cottage.
  • When leaving the cottage, double-check all windows and doors are properly locked. If you have a boathouse with expensive items, consider adding an additional padlock to the door.
  • Avoid leaving valuable items or documents unattended over the winter.
  • Close the drapes or blinds and consider adding additional shutters on the outside to protect from animals and human intruders.
  • Consider asking a neighbour to check on your property once a month to ensure there are no damages caused by mother nature or otherwise.

​Cottage insurance works somewhat differently than your primary home insurance. Factors such as how often it is occupied, whether it is a rental property, the contents, and recreational water vehicles (such as a boat or jet ski ) impact on which types of insurance packages are appropriate. At Merit Insurance, we understand that each situation is unique, and it is our job to make sure you get the right coverage. Call a Merit broker today to discuss all your options.