Owning a cottage in Ontario is the dream—until it becomes an insurance nightmare. Whether you’re in Muskoka, the Kawarthas, or along Lake Huron, there’s a ticking clock on your place the moment you lock the door and head back to the city. In the world of insurance, there’s a huge difference between a cottage that’s “lived in” and one that’s “left alone.” If you aren’t careful, a month of silence at the lake could mean your coverage disappears exactly when you need it most. Th
