Tips to Help Winterize Your Cottage
Cottage season is beginning to wind down, and after an amazing summer, many owners will be saying goodbye to their cottages until next year. However, with more Canadians working from home, some may be interested in extending their stay into the fall and winter months.
While many cottages are only suitable for spring and summer living, these four tips can help turn your summer oasis into an all-season sanctuary.
Consider Your Heating Options
How will you heat your cottage this winter? Consult a professional to determine the best heating solution for your property, taking into account cost and location. Keep in mind that your insurance coverage may vary depending on the type of heat source you install. Before making any changes, contact your insurance broker to ensure your policy provides adequate protection and to understand how different heat sources could affect your premiums.
Assess Your Electrical and Plumbing Systems
Electrical and plumbing systems may need upgrading to support year-round living. To prevent pipes from freezing, ensure they run on the warm side of the insulation. Have a licensed electrician or plumber inspect your systems to determine what updates are necessary to winterize your cottage safely.
Increase Insulation
Canadian winters can be harsh, so proper insulation is essential. Install a vapor barrier to prevent condensation inside walls, which can lead to mold and rot — damages not typically covered under a standard home insurance policy. Proper insulation ensures your cottage stays warm and helps protect its structural integrity.
Upgrade Windows and Doors
Many cottages have outdated windows and doors that are not properly sealed — acceptable for summer use, but problematic in winter. Ensure all windows and doors are sealed to prevent drafts and heat loss, which also improves energy efficiency. In some cases, older windows may need to be replaced with double-paned or other year-round alternatives.
How Winterizing Your Cottage Affects Your Insurance
If you’re converting your summer cottage into a four-season home, it’s important to review your insurance coverage. Contact your broker at Miller Insurance Brokers to ensure your property is properly insured during renovations and for year-round occupancy. This is especially important if you plan to rent your cottage, as certain limitations may apply.