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Our home and property insurance blogs offer a variety of helpful tips, suggestions and information that Ontario homeowners need to know.
Your home insurance is meant to protect you when the unexpected happens—but certain actions or oversights could leave you without coverage. Many Ontario homeowners don’t realize that things like undisclosed renovations, renting out a room, or poor maintenance can actually void their policy. This guide explains what can invalidate your Ontario home insurance and how to keep your coverage secure.
Imagine buying a $55,000 vehicle and getting only $38,000 from insurance after it’s totalled. In Ontario, this happens more often than you think—but a depreciation waiver can change the outcome. This guide explains how depreciation waivers work for vehicles, RVs, boats, and even home insurance, so you can protect the full value of what matters most.
Summer in Ontario is beautiful, but it also brings a surge in home insurance claims from floods, fires, break-ins, and more. Learn how to prevent the most common seasonal risks with expert-backed tips from Youngs Insurance Brokers, helping Ontario homeowners stay protected and stress-free all summer long.
As the holiday season approaches, we'd like to wish you a very joyous time of year and extend our most sincere appreciation to our valued clients. In addition, we've shared our 2024/25 holiday office schedule.
Imagine suddenly being unable to work due to a critical illness—could your business survive without you? A serious illness doesn’t just affect you—it can disrupt your entire operation, jeopardize client relationships, and threaten the financial health of everything you've built. In this blog, we’ll break down critical illness insurance, why it’s essential for Ontario business owners, what it covers, and the risks your business could face without it. Critical illness insurance provides the...
Running a business in Ontario involves juggling many responsibilities, from daily operations to strategic planning. One critical aspect that often gets overlooked is preparing for the unexpected, particularly through a buy-sell agreement funded by life insurance. In this blog, we'll explore why having a buy-sell agreement is essential for protecting the future of your business and ensuring a seamless transition in times of unforeseen events.
Navigating home insurance can be daunting, but understanding the difference between Replacement Cost and Market Value is pivotal for Ontario homeowners. This blog dives into these essential concepts, helping you make informed decisions about your insurance coverage to ensure your home is adequately protected.
In this blog, we will delve into the dangers of burst pipes in Ontario, exploring the havoc they wreak on homes and lives, and uncovering the vital steps that can help you safeguard your property from these frigid nightmares.
Did you know that water damage is the #1 cause of home insurance claims in Ontario? Beyond the obvious property concerns, it's crucial to recognize the associated risks such as mould growth, potential health issues, pest invasions, and electrical hazards. This blog delves into important questions: What typically triggers water damage? How long does it take for signs of water damage to manifest? Is water damage harmful? What are the potential health implications of water damage? We explore ...
As the holiday season approaches we'd like to wish you a very joyous time of year, and extend our most sincere appreciation to our valued clients. In addition, we've shared our 2023/24 holiday office schedule.
In Ontario, Canada, the winter season brings specific challenges that if not managed properly, can lead to home insurance claims. In this blog, we'll explore these winter-specific issues and provide practical insights on how to prevent them. From frozen pipes to roof damage and everything in between, discover proactive measures to safeguard your home against the chilly hazards of winter, ensuring a season of warmth without the worry of insurance claims.
As the serene warmth of summer transitions into the crisp, chilly embrace of fall and winter, ensuring your Ontario cottage is winter-ready becomes crucial to avoid potential insurance claims. Proper winterization not only safeguards your property but also helps prevent common winter-related mishaps. With a few proactive measures, you can protect your cottage, and keep insurance claims at bay.
Having cottage/seasonal or secondary property insurance provides peace of mind, knowing that you're financially protected against unforeseen events that could disrupt your enjoyment of the property or your financial stability. In this blog, we'll delve into the practical side of cottage living, exploring the importance of insurance coverage to keep your peaceful getaway as serene as can be.
When considering life insurance, you have the option to choose between joint life insurance and individual life insurance policies. In this blog, we will explore the differences between these two options, explain the advantages of a joint life policy, and help you determine which option is best suited for your needs.
When discussing financial protection, two frequently mentioned types of insurance policies are life insurance and mortgage insurance. Although both serve their intended purposes, life insurance offers several notable benefits that set it apart from mortgage insurance. In this blog post, we will outline the reasons why life insurance stands out as the superior choice for protecting your family's financial security.
Insurance is a vital part of protecting yourself, your loved ones, and your assets from unexpected events. From car and home insurance to life and health insurance, having the right coverage in place can give you peace of mind and financial security. Bundling your insurance policies can offer you even more benefits.
Spring has arrived and many people are eager to get their spring toys – motorcycles, boats, trailers, RVs, ATVs, and classic cars – out for the season ahead. However, using these vehicles comes with inherent risks. To mitigate these risks, it is crucial to ensure that your equipment is fully insured this season.
Whether you're a first-time homeowner or a seasoned pro, it's important to understand the ins and outs of home insurance. In this blog post, we'll be answering some of the most frequently asked questions about home insurance, so you can feel confident and informed when it comes to protecting your home sweet home.
Some insurance companies are now using geocoding to determine coverage eligibility and limits for adding overland water coverage to a home insurance policy. This advanced approach to mapping risks allows insurance brokers to assess a homeowner’s risk more accurately than assigning an overland water territory based on a postal code.
As a responsible adult, you likely have several types of insurance policies in place to protect yourself, your loved ones, and your assets. But have you considered a personal umbrella insurance policy? In this blog, we'll explore what a personal umbrella insurance policy is, what it covers, and why you might need it.