The summer of 2025 is breaking records across Ontario and Alberta, with over 10 days in July soaring past 30°C and heat indexes reaching 40+ in cities like Toronto, Hamilton, Ottawa, Calgary and Edmonton. This isn’t just an uncomfortable summer. It’s a wake-up call for homeowners, renters, and property investors.
Ontario and Alberta Are Facing More Extreme Heat Events
What we’re experiencing isn’t typical summer weather. These are extreme heat events — multiple days where temperatures spike significantly above normal. According to the Canadian Climate Institute, these intense heatwaves are directly linked to climate change and are becoming more common across both Ontario and Alberta.
In July 2025 alone, Environment Canada issued multiple heat warnings across the Greater Toronto Area, Peel Region, Southern Ontario, and Central Alberta — urging residents to stay cool, hydrated, and prepared.
Heat-Related Illnesses Are a Growing Risk
High temperatures aren’t just uncomfortable, they’re dangerous! Prolonged exposure to extreme heat can cause:
- Heat exhaustion: heavy sweating, weakness, nausea
- Heat stroke: dangerously high body temperature, confusion, fainting
- Heat rash & heat cramps: particularly common in children and seniors Ontario Health and Health Canada both report rising numbers of heat-related emergency room visits, especially for young children, elderly adults, and those with pre-existing health conditions.
Heat Today, Storm Tomorrow: What Climate Change Means for Insurance
Extreme heat is often followed by powerful summer storms, flash flooding and hail. All of which can cause severe damage to homes and businesses. According to a 2025 Reuters report, insured weather-related losses in Canada hit a staggering $8.5 billion in 2024, nearly triple the total from 2023.
Increased risk = increased costs and more complex claims.
If you’re a homeowner in Ontario or Alberta, it’s critical that your insurance policy is keeping up with new climate realities.
Emergency Preparedness for Ontario and Alberta Homes
Whether you live in a downtown Toronto condo, a Brampton bungalow, a Calgary townhome or a Muskoka cottage, preparation is key! Here’s what every household should have ready:
Build Your 72-Hour Emergency Kit:
- Bottled water & non-perishable food
- Flashlight, radio, phone charger
- Medications & first aid
- Extra clothing, pet supplies, toiletries
- Emergency contacts written down
Download the Red Cross Emergency Plan Template
Does Your Home Insurance Cover Heat & Weather Emergencies?
If your home hasn’t had a policy review in the last year, now’s the time.
In Ontario and Alberta, many standard home insurance policies do not include overland flood protection or sewer backup coverage by default. With extreme rainfall and storm activity on the rise, this could leave you vulnerable when you need protection the most.
Ask yourself:
- When was the last time I updated my rebuild cost estimate?
- Is my seasonal or rental property covered for vacancy periods?
- Does my policy include protection against water damage or hail?
How My Insurance Broker Helps You Stay Protected
At MIB, we understand that no two households are the same. Whether you live in urban Ontario or rural Alberta, we offer tailored insurance solutions that keep up with:
- Your region’s evolving weather patterns
- Rising rebuild costs and market inflation
- Your family’s lifestyle and risk profile
We review your policy regularly, explain your options clearly, and make sure you’re never under-protected or overpaying.
Final Word
The heat isn’t just in your forecast. It’s in your future. As climate change reshapes the risk landscape in Ontario and Alberta, now is the time to ensure your home, health, and finances are protected. Let’s get you covered for what’s now and what’s next. Call us at 1-855-482-5001 or email us at info@myinsurancebroker.com for review your coverage and get a quote.