HRC Insurance Blog

Opening Your Cottage This Spring


Opening Your Cottage This Spring

It's officially June which means it’s that time of the year that you pack up for a weekend get-a-way up to the cottage for some R&R (if you haven't already). However after a long winter away from the cottage, you may be a bit nervous to what you might expect to see. Here are a few tips to help make opening the cottage a breeze.



Before you go:

  • Make sure you have all current insurance documents for your cottage, boat, trailer and other.

  • Contact your hydro and phone companies to have all of your services turned on.

  • Prepare a contact list for your insurance, hydro, and water companies.

  • Pack extra, food, clothes, batteries, safety kit, tools and cleaning supplies.

  • Check the weather- be prepared for what mother nature may bring.

When you arrive:

  • Do an over all inspection of the outdoor property this includes:

    • Power lines

    • Phone Lines

    • Trees

    • Roof

    • Chimney Stack

    • Deck

    • Dock

    • Siding

    • Windows

    • Screens

    • Under the cottage – posts, pads, beams

  • Do an over all inspection inside your cottage this includes:

    • Cupboards, closets, dressers for mice and other small animals

    • The ceiling and walls for water leaks

    • Outlets, switches and power cords

    • Plumbing and waterlines

    • Indoor fireplace or heater

    • All kitchen appliances (fridge, freezer, oven, dishwasher and other small appliances)


    • Inspect fire extinguisher

    • Inspect fire and smoke alarms

    • Inspect carbon monoxide detectors

    • Insure first aid kit and supplies are stocked and up to date (bandages, medication, bugs spray, sunscreen, etc.)

Sit back relax and enjoy!

For further information:

Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.