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Home Insurance Blog


Our home and property insurance blogs offer a variety of helpful tips, suggestions and information that Ontario homeowners need to know.


Understanding Replacement Cost vs. Market Value in Ontario Home Insurance

Understanding Replacement Cost vs. Market Value in Ontario Home Insurance

Posted Jun 12th, 2024

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.

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Burst Pipes: A Guide to Repair and Prevention

Burst Pipes: A Guide to Repair and Prevention

Posted Jan 26th, 2024

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.

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The Dangers of Water Damage to Your Health and Home

The Dangers of Water Damage to Your Health and Home

Posted Jan 23rd, 2024

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 ...

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2023 | Happy Holidays + Schedule

2023 | Happy Holidays + Schedule

Posted Dec 11th, 2023

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. 

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How to Prevent The Most Common Winter Home Insurance Claims

How to Prevent The Most Common Winter Home Insurance Claims

Posted Nov 17th, 2023

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.

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Winterize Your Cottage: Essential Tips to Avoid Insurance Claims

Winterize Your Cottage: Essential Tips to Avoid Insurance Claims

Posted Nov 3rd, 2023

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.

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Everything You Need to Know About Ontario Cottage Insurance

Everything You Need to Know About Ontario Cottage Insurance

Posted Aug 14th, 2023

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.

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Joint Life Insurance or Individual Life Insurance: Which is Best for You?

Joint Life Insurance or Individual Life Insurance: Which is Best for You?

Posted Jun 30th, 2023

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. 

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Why Life Insurance is Better Than Mortgage Insurance

Why Life Insurance is Better Than Mortgage Insurance

Posted Jun 19th, 2023

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.

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How to Save Money By Bundling Your Insurance Products

How to Save Money By Bundling Your Insurance Products

Posted May 4th, 2023

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.

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Why Insuring Your Seasonal Toys is So Important

Why Insuring Your Seasonal Toys is So Important

Posted Apr 5th, 2023

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.

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Home Insurance Made Simple: Answers to Your Top Questions

Home Insurance Made Simple: Answers to Your Top Questions

Posted Apr 3rd, 2023

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.

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Why Your Overland Water Coverage Insurance Rates Vary Based on Where You Live

Why Your Overland Water Coverage Insurance Rates Vary Based on Where You Live

Posted Mar 7th, 2023

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.

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The Safety Net: Why You Need Umbrella Insurance

The Safety Net: Why You Need Umbrella Insurance

Posted Feb 27th, 2023

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.

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How to Protect Your Home From the #1 Home Insurance Claim in Ontario

How to Protect Your Home From the #1 Home Insurance Claim in Ontario

Posted Feb 8th, 2023

Did you know that water damage is the number one cause of home insurance claims in Ontario? Water damage can happen at any time of the year and can be caused by a variety of factors including heavy rainfall, snow melt, and burst pipes. It is extremely important to stay educated, safeguard your home against all types of water damage, and to speak with your Ontario insurance broker to ensure you are adequately covered under your home insurance policy.

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How to Avoid a Home Insurance Claim When Away on Vacation

How to Avoid a Home Insurance Claim When Away on Vacation

Posted Jan 20th, 2023

Before you leave for a vacation, you should make sure to follow some simple preparation steps for your home, to ensure it is safe and protected while you are away, which can help to avoid any unnecessary home insurance claims. Continue reading for some of our best tips to keep your home safe while you’re away.

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2022 | Happy Holidays + Schedule

2022 | Happy Holidays + Schedule

Posted Dec 19th, 2022

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 2022 holiday office schedule. 

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How to Save Money on Your Ontario Home Insurance

How to Save Money on Your Ontario Home Insurance

Posted Oct 21st, 2022

Your home and its contents are one of your biggest financial investments, so having a valid home insurance policy with the right amount of coverage is an essential part of protecting the investment you have made in your home and its contents. You can insure your home and belongings are properly protected, while still saving money by taking advantage of some possible discounts you may be eligible for on your home insurance. Continue reading to learn how to save money on your home insurance pr...

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How to Save Money on Your RV Insurance During the Off-Season

How to Save Money on Your RV Insurance During the Off-Season

Posted Oct 14th, 2022

Once the seasons begin to change and the colder weather begins, many RV owners will say goodbye to summer road trips and prepare to store their RV for the winter. While some RV owners may be tempted to cancel their RV insurance during the off-season, we explain below why this is not the best option. 

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Prevent An RV Insurance Claim- Winterize Your RV Now

Prevent An RV Insurance Claim- Winterize Your RV Now

Posted Oct 14th, 2022

With the colder months upon us and winter on the way, many RV owners are beginning the process of winterizing their RV and getting it ready for storage. Making sure that your RV is properly winterized can help to prevent any damage that could be costly to fix, and help prevent any unnecessary RV insurance claims. Keep reading for answers to some frequently asked questions from RV owners about how to prepare your RV for winter storage and how to lower your RV insurance costs during the winter...

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