How To Winterize And Convert Your Cottage Into An All-Season Home

Home Insurance

If you want to convert your cottage to withstand the freezing temperatures of winter or ‘winterize’ it, there are two ways you can do this. The first is to convert your cottage into an all season getaway. While the other is to close it for the winter in a safe and secure way.

In this blog post, we outline the steps to winterize your cottage and turn it into an all season getaway. With many of us working remotely, it might be tempting to live in your cottage all year round.

There are many fun activities you can enjoy with your family at your cottage in the winter. Get ready for some snowshoeing, skating, and cozying up by the campfire. Read on to find out some of the things you need to do to renovate your cottage for four-season living.

Heat source

The first thing you need to consider is the type of heating system that should be used. This will depend on the location of your cottage and many other factors.

You may contact a professional for consultation and also ask your broker how different types of heat source will affect your insurance. Wood stoves and pellet stoves pose safety risks that impact your insurance or even your eligibility for coverage. 


If you want to stay in your cottage during the winter months, it’s mandatory in Canadian weather to keep the cold out and the heat in through proper insulation. Apart from the cold, make sure to keep the moisture out with a vapour barrier to prevent mould and rot which are not covered by a standard insurance policy.


Upgrade or replace electrical and plumbing systems if needed to withstand the freezing temperatures and increased usage. You may opt to consult a professional because they will be able to determine what work needs to be done.

Windows and Doors

Properly sealing your windows and doors can also keep the cold out and the heat in. If your windows and doors are not going to be effective in keeping the cold out, they might have to be replaced. You may also consider using energy-efficient double pane windows.

Additional Costs

In addition to cottage upgrades, other costs you have to consider are your heating and utility bills, travel expenses to get to your cottage more often, and hiring a snow removal company to keep your driveway clear and prevent accidents. The latter could be required by your insurer.

We recommend that you ask your broker about the insurance implications of your renovation plans to make sure that you are fully protected. If you decide to have your cottage rented out, you will need to inform your broker to check if you have the right insurance coverage. Depending on the insurer, you might even need to get a landlord policy.

You may contact any of our licensed experts at 905-886-7277 if you need help understanding your coverages.

By Katia Barretto