Lake Erie Shoreline
Cottage
Management.
Whether your property is occupied year-round or seasonally, APG provides complete cottage management throughout Ontario's Lake Erie shoreline.
Purpose-Built for Waterfront
A local team, on the shoreline.
Lake Erie cottages face conditions most inland properties never see — winter ice heaves, summer squalls, shoreline erosion, and long off-season stretches when nobody is watching the door.
We built a dedicated cottage program for owners along Long Point, Port Rowan, Port Dover, Turkey Point, Peacock Point, Selkirk, and Dunnville. Same standards as our residential portfolio — tuned for the water.
One Property · Every Season
Ready when you arrive. Watched when you leave.
Services Include
Ten essentials, every season.
Home Watch
Scheduled check-ins on unoccupied properties — interior and exterior visual inspections, leak and pest checks, mail collection, and a time-stamped photo report after every visit. Many Ontario insurers require documented checks on vacant or seasonal homes; our reports give you that paper trail.
Weekly Inspections
Scheduled interior and exterior walk-throughs with photo reports — so you know exactly what's happening at your cottage every week.
Storm Checks
Post-storm site visits after significant weather along the Lake Erie shoreline. Windows, roof, dock, shoreline, downed limbs — all documented.
Seasonal Openings & Closings
The full spring open and fall close visit — docks in and out, furniture and BBQs staged or stored, deck and yard prep, keys and access sorted, and a walk-through report before your first weekend back.
Contractor Coordination
Vetted local trades for plumbing, electrical, HVAC, roofing, and dock work. We source quotes, supervise the work, and quality-check every invoice.
Emergency Response
24/7 on-call response for burst pipes, break-ins, power outages, or storm damage. We're on-site fast because we're local.
Cleaning Coordination
Turnover cleans between family stays, guest visits, or short-term rentals. Linens, restocking, and pre-arrival prep handled.
Security Checks
Alarm response, lock-ups, and off-season monitoring. We keep an eye on the property when you can't be there.
Winterization
The technical side of the close: water shut-off and drain-down, lines blown and traps treated, HVAC and appliances prepped, heat-trace and thermostats set — documented system by system.
Owner Reporting
Monthly summaries with visit logs, photos, work-order status, and upcoming recommendations. Full transparency, in your inbox.
Owner Tips
Insuring an Ontario cottage: what to ask your broker.
We're not insurance advisors — but we see the same coverage questions come up with cottage owners again and again. Bring these up with your own licensed broker.
Vacancy Clauses
Most policies restrict how long a home can sit unoccupied — often 30 to 90 days — before coverage is reduced or void. Ask what your insurer counts as 'vacant' vs. 'unoccupied' and what check-in frequency they expect.
Seasonal vs. Year-Round Coverage
A cottage insured as 'seasonal' is often priced for summer use only. If you visit in winter, make sure your policy actually covers you year-round.
Water Damage & Freeze-Up
Frozen pipes are the most common cottage claim in Ontario. Many insurers require the heat to be kept on — or the water shut off and lines drained — during the heating season. Ask which standard your policy holds you to.
Documented Inspections
Some insurers offer preferred terms, or simply smoother claims, when there's a dated, photographed inspection record for the property. Worth asking about.
Overland Water & Shoreline
Standard policies often exclude overland flood and shoreline erosion. If you're on the Lake Erie shoreline, ask specifically about overland water endorsements and what they cover.
Short-Term Rental Use
Renting your cottage even occasionally can change your coverage requirements. Tell your broker how you actually use the property so the policy matches reality.
Tip: many Ontario insurers offer better terms when a cottage has documented, regular inspections. Our Home Watch reports are designed to be shared directly with your broker.
Own on the Lake?
Let's talk about your cottage.
Tell us where your property is, how you use it, and what's keeping you up at night. We'll come back with a right-sized proposal.
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