Ontario homeowners heading out for the holidays are being reminded that winter-related risks — not the length of time away — are the most common reasons insurance claims run into trouble.
Police advise simple steps to make homes appear occupied, such as using light timers, cancelling deliveries, arranging snow removal and asking a neighbour to check in. But insurance experts say preventing break-ins is only part of protecting your coverage.
Daniel Ivans, an insurance expert with Rates.ca, warns that water damage remains the biggest winter threat. Burst pipes, ice damming and sewer backups can lead to expensive repairs, and coverage varies widely depending on the policy.
“Many insurers now limit water damage coverage, sometimes to as little as $25,000 or $50,000,” Ivans said, particularly for homes near lakes or flood-prone areas.
Homeowners are encouraged to review their policies carefully and disclose all relevant details, including ongoing renovations, unrepaired damage or home-based businesses, as omissions can complicate claims.
While homeowners don’t need to notify insurers simply because they’ll be away for more than 30 days, Ivans says it’s wise to check in before unusually long trips or if coverage questions arise.
Before leaving, experts recommend shutting off the main water supply, keeping the home heated, locking all entry points and arranging regular property checks. Smart leak detectors and security devices can also help prevent major damage.
Ivans emphasized that vacation travel — even for weeks or months — does not trigger vacancy rules as long as the homeowner intends to return. Insurers are far more concerned about unattended winter hazards than how long the house is empty.
Simple preparation, he said, can prevent major losses and help ensure insurance protection stays intact while homeowners are away.