[Christien]

Ontario insurance companies are just chomping at the bit to raise rates. They've cultivated a real culture of fear - in some cases rates can be raised simply for phone inquiries, though that might be just urban legend.

Cottage country is known for break-ins and whatnot, because such a high number of places are empty during the winter. It's a crappy situation, but if I were in it, I'd move. I've known of people who had their cottage broken into literally every winter. They eventually just sold it because they were sick of the constant cleanup.