Summer in Ontario is nothing short of magical—long weekends at the cottage, backyard barbecues with friends, and kids making memories in the pool. But after more than 100 years of serving Ontario families, we’ve seen how quickly those moments can be disrupted when the unexpected happens.
From sudden downpours that flood basements to cottage break-ins while you’re away, the warmer months bring unique risks many homeowners don’t anticipate.
At Youngs Insurance Brokers, we’re here to help you safeguard what matters most. Based on decades of experience handling summer-related claims, we’ve gathered practical tips to help you protect your home, your property, and your peace of mind this season.
The Silent Destroyer: Water Damage Claims
Water damage isn't just Ontario's most common summer insurance claim – it's often the most devastating. We've seen Toronto basements flooded with thousands of dollars in damage after a 20-minute downpour, and cottage owners returning from vacation to find burst pipes have destroyed their retreat.
Your Prevention Strategy:
• Schedule spring gutter cleaning before storm season hits
• Test your sump pump monthly – battery backup systems fail more often than you'd think
• Install a backwater valve (many Ontario municipalities offer rebates up to $3,400)
• Check your basement after every heavy rain, even if you don't see obvious water
Insurance Insight:
Standard Ontario home insurance doesn’t automatically include coverage for overland flooding or sewer backup. Considering they can help cover damages that easily exceed $50,000, it’s well worth exploring. Talk to your broker today about how these additional coverages can strengthen your overall protection.Fire Season: More Than Just Forest Fires
While Northern Ontario wildfire risks make headlines, suburban fire claims spike during summer months. The culprit? Backyard living.
We've processed claims from Mississauga deck fires started by improperly positioned BBQs, Muskoka cottage fires from unattended fire pits, and even a claim where Victoria Day fireworks ignited a Markham garage.
Beyond Basic Fire Safety:
• Position BBQs 10 feet from any structure – including that new pergola
• Store propane tanks upright and away from heat sources
• Install outdoor electrical outlets with GFCI protection for pool equipment
• Keep fire extinguishers in garages and pool houses, not just kitchens
Cottage Country Crime: Vacation Theft Prevention
Ontario's cottage culture creates a unique insurance challenge. Properties sitting empty for weeks become prime targets, especially in popular areas like Muskoka, Haliburton, and Prince Edward County.
Smart Security Strategies:
• Install cellular security systems that don't rely on internet connections
• Use smart water shut-off valves that you can control remotely
• Establish relationships with local neighbours who live year-round
Click here to learn everything you need to know about Ontario cottage insurance.
Policy Pointer:
Many Ontario home insurance policies require someone to check on vacant properties every 2-7 days. Violating this "vacancy clause" can void your coverage entirely. Make sure to speak to your Broker and know your policy's specific requirements.Weather Warfare: Preparing for Ontario's Extreme Weather
Climate change has made Ontario's weather increasingly unpredictable. The same system that brings a beautiful sunny morning can deliver golf-ball-sized hail by afternoon.
Tree and Storm Preparation:
• Remove dead branches before storm season – ice storms and summer winds target weak limbs
• Consider your roof's age and condition; Ontario's freeze-thaw cycles accelerate deterioration
• Secure outdoor furniture and equipment that can become projectiles
• Photograph your property before storm season for insurance documentation
HVAC Overload Prevention:
Summer heat waves push air conditioning systems beyond their limits. We've seen claims where overworked units leaked, froze up, or even caught fire.
• Schedule professional maintenance in May, before peak demand
• Change filters monthly during heavy-use periods
• Keep outdoor units clear of landscaping and debris
• Consider upgrading older systems – efficiency improvements often pay for themselves
Liability Landmines: Pools, Trampolines, and Summer Fun
Ontario's short summers mean families maximize outdoor entertainment, but pools and trampolines create significant liability exposures that many homeowners underestimate.
Beyond Basic Safety:
• Ensure pool fencing meets current municipal codes (requirements have changed recently in many areas)
• Install pool alarms that detect both entry and water disturbance
• Document safety measures with photos for insurance records
• Consider additional liability coverage – medical costs can exceed standard policy limits quickly
Click here to learn more about how a pool can impact your home insurance policy.
The Trampoline Truth:
Some insurers require additional premiums. Shop around and be honest about your recreational equipment when applying for insurance policies.
Seasonal Toys and Summer Vehicles
Ontario summers mean boats, RVs, ATVs, and trailers come out of storage. Most homeowners assume these are covered under their home insurance – a costly mistake.
Coverage Clarity:
• Home insurance typically covers small watercraft under 25 feet with engines under 25 horsepower. Anything bigger would require its own separate policy.
• RVs and travel trailers need separate policies
• ATVs and snowmobiles require specific coverage
• Consider agreed value coverage for classic boats and recreational vehicles
Click here to learn more about why insuring your seasonal toys is so important.
The Smart Ontario Homeowner's Summer Checklist
Before You Leave for Vacation:
• Test all smoke and carbon monoxide detectors
• Shut off the main water supply if leaving for more than a week
• Arrange for lawn care to maintain occupancy appearance
• Remove valuables or document them thoroughly
• Review your policy's vacancy requirements
Click here for tips on how to avoid a home insurance claim when away on vacation.
Monthly Maintenance:
• Inspect and clean gutters and downspouts
• Test sump pump and backup systems
• Check outdoor electrical connections
• Trim vegetation away from your home's exterior
• Document any new purchases or home improvements
The Bottom Line:
Summer home insurance claims are largely preventable with proper preparation and adequate coverage. Don't wait until you're dealing with water in your basement or explaining to your insurer why you didn't disclose that new pool.Take 30 minutes this week to review your coverage, walk around your property with a critical eye, and make those small investments in prevention. Your summer – and your wallet – will thank you.
Ready to review your Ontario home insurance coverage? Contact us for a comprehensive policy review that ensures you're protected for whatever this summer brings. Because in Ontario, it's not about if severe weather will hit – it's about when.
>> Speak with A Youngs Insurance Broker Today!
Click here for a quick home insurance quote »
Disclaimer: The information provided on this blog is for educational purposes only and is not intended as professional insurance advice. The coverage, terms, and conditions of each insurance policy are unique and subject to individual circumstances. The information provided does not guarantee the availability or suitability of any insurance policy for your specific needs. You should not rely on the information in the blog as an alternative to professional advice from your insurance broker or insurance company. If you have any specific questions about any insurance matter, please consult a licensed insurance broker for personalized advice and guidance.