Although more and more families are choosing to winterize their cottages so that they can enjoy the beauty of our Muskoka winters, a large percentage of cottages in the region are closed down and boarded up, lying in wait until another beautiful summer in cottage country is upon us.
If your cottage is closed for winter, and you don’t get to visit it or check up on it, it’s important to take the necessary steps to ensure your beloved family investment is protected. Here are a few key things that you need to do to keep your cottage safe and sound.
Ensure You’re Properly Insured
One of the best ways to protect your cottage is to have the right insurance policy in place. Although insuring a cottage is similar to insuring your principal residence, there are a few important differences. Obtaining the proper insurance involves considerations around where exactly your cottage is located, how you use it, how often you use it, and any extra possessions or outbuildings that you also want to protect. It’s also necessary to have a clear understanding of the types of coverage you actually have. Damage caused by animals, for example, might be something you may want to include in your policy (It’s certainly not something one would really need to think about when ensuring a home in the city!).
Guard Against the Elements
Although Muskoka winters are beautiful, we all know that they can sometimes be a bit wild. Ice and snow build-up have caused more roofs to collapse than you can imagine, and frozen/burst pipes, well…let’s just say that it’s not uncommon. Preparing and protecting your cottage in advance of harsh weather is an important way to keep your investment protected, and winterizing can also positively impact your insurance premiums.
For those new to the cottage life, or those who are considering purchasing one, you’ll want to learn the various steps to take to prepare it for winter properly. Simple things like unplugging all electrical items, shutting off your water, draining pipes, and boarding up your windows with plywood shutters are all essential to prevent winter from wreaking havoc on your property. Don’t forget that mice are always looking for a warm place in winter, so you’ll need to take the necessary steps to ward off those pesky critters each year. For a complete list of things to do to winterize your cottage, visit this link.
Crime Proof Your Cottage
With your cottage sitting dormant during the winter months patiently waiting for your return, you’ll have to do some work to crime-proof it. Even if your access roads are closed for the winter, it’s important to be diligent. One of the best ways to protect your cottage is to lock, secure, and board up everything of value. This includes any outbuildings that may contain valuables such as watercrafts or ATVs. It’s also advisable to take any valuables home with you when you close the cottage for the winter or secure them in place.
Another way to guard against break-ins is to make it appear as if there are regular visitors to the property. This can be easily done by having your driveway plowed from time to time. It’s also a good idea to ask an all-year neighbour or even hire someone who’s local (with excellent references) to keep an eye on the property and provide them with a key to your cottage.
Protecting your investment is important. If you’re looking to purchase a cottage in the Muskoka region in the near future, or would like information regarding passing your cottage on to future generations, call the Ares Law team today at 705-645-8743 to set up an appointment. We specialize in real estate law in Bracebridge and the Muskoka region, and we have a thorough understanding of local bylaws, regulations, and the complexities that come with buying or selling cottages and vacation properties. Let us help ensure your investment and your legal rights are properly safeguarded.
