Ontario homeowners heading out for the holidays are being reminded that winter-related risks — not the length of time away — are the biggest reasons insurance claims run into trouble.
Police recommend basic 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 burglary prevention is only part of the picture.
Daniel Ivans, an insurance expert with Rates.ca, warns that water damage poses the greatest winter threat. Burst pipes, ice damming and sewer backups can lead to costly 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, especially for homes near lakes or flood-prone areas.
Homeowners are urged to review their policies carefully and ensure all relevant details are disclosed, including renovations, unrepaired damage or home-based businesses. Failing to do so can complicate claims.
While homeowners don’t need to notify insurers simply because they’re away for more than 30 days, checking in is recommended for unusually long trips or if there are questions about coverage.
Before leaving, experts advise shutting off the main water supply, keeping the home heated, locking all entry points and arranging for regular property checks. Smart leak detectors and security devices can also help prevent major damage.
Ivans emphasized that vacation travel — even for several 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 the duration of travel.
Simple preparation, he said, can prevent major losses — and ensure insurance protection remains intact while homeowners are away.