Summer weather, pool days, and short-term rentals: Make sure your home insurance has you covered.

Your home is prepared for winter, but what about the summer months?

We tend to think of home insurance in the context of wintery conditions: frozen pipes, roof leaks from melting snow, fallen trees and icy walkways. But, summer brings its own set of risks, and many homeowners aren’t aware of the potential gaps in their coverage. 

Imagine a summer storm knocks a tree onto your fence. Are you responsible, or is your neighbour? A guest slips near your pool — are you liable? Or, if a short-term renter causes damage, will your insurance cover the repair costs?

Before summer is in full swing, here’s what every homeowner should double-check in their insurance coverage.

Summer Storms: What’s Actually Covered?

Stormy weather, particularly in warm and humid months, can be unpredictable. High winds, hail, and heavy rain can do more damage than you think. While most home insurance policies cover storm-related damage, flooding can be a different story. Here’s what to check:

• Wind and hail damage: Confirm if your policy includes roof and structural repairs.
• Overland flood insurance: Standard plans may not cover overland/rainwater flooding.
• Tree damage liability: If a tree growing in your yard damages your neighbour’s property, who’s on the hook? Policies tend to vary on responsibility.

Poolside Risks: Are You Liable?

A pool is the ultimate summer luxury, a place for relaxation and making memories. Ensuring your insurance covers unexpected accidents means you can host poolside parties worry-free, knowing you’re protected if anything happens. If you don’t follow the regulations, your coverage may be void in the event of an accident. Here’s what to check:

• Liability coverage – $2 million is recommended if you have a pool.
• Guest access rules – Policies can limit coverage for non-household members.
• Safety compliance – You may require self-closing gates and fencing.

Renting Your Home? 

Listing your home or cottage on a short-term rental website like Airbnb, Vrbo or Booking.com? Your standard insurance policy may not cover guest-related damages or liability claims. Review your policy for:

• Home-sharing coverage: Some insurers don’t offer short-term rental policies.
• Guest damage protection: Airbnb’s Host Guarantee policy isn’t a replacement for insurance.
• Local bylaws and permits Some cities require permits in order to list a home for short-term rentals. Non-compliance could void coverage.

Protect Your Home Before Summer Starts

A quick insurance check-up now can save you from big headaches later.