Fire and Dock Insurance Information

What residents should know

The Alberta Summer Villages Association (ASVA) has shared an important reminder for residents to review their home insurance policies—specifically for fire response costs and dock coverage. While Summer Villages commonly fund Fire Services to remain on standby, homeowners may be responsible for service fees if firefighters are dispatched to their property.

• Fire response costs: If firefighters are dispatched, the landowner may be responsible for service fees. These costs can be significant without the right insurance coverage.
• Dock coverage: Dock repair or replacement can be costly. Residents are encouraged to ensure their policy includes sufficient protection for damage or loss.

Letter from ASVA President

January 26, 2026

Dear member CAOs,

At the most recent ASVA Board meeting, the subject of insurance coverage for fire incidents and docks was discussed. Insurance providers offer a wide range of home insurance policies. The majority of Summer Villages fund Fire Services to remain on standby; however, if firefighters are dispatched, the landowner is responsible for the related service fees. These costs can be significant if residents lack sufficient insurance coverage. It is strongly advised that all residents review their policies to confirm that they have appropriate protection for firefighting expenses. Insurance companies typically charge only a nominal fee for this additional coverage.

Dock replacement costs can be considerable, and it is possible that some residents may not have ensured their docks are adequately covered by insurance. Residents are advised to carefully review their insurance policies to confirm they possess sufficient coverage for potential loss or damage to their docks.

Feel free to share this information with your residents.

Sincerely,

Brian Waterhouse
President, ASVA

Quick questions to ask your insurer

• Does my policy include coverage for fire department response or firefighting service fees?
• Is there a coverage limit for firefighting expenses, and is it enough for my property?
• Is my dock covered for damage, storm impacts, or total loss? What deductible applies?
• Are there exclusions I should understand (seasonal use, unoccupied periods, or weather-related events)?