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Insurance Resource Library


The Youngs Insurance Resource Library provides Ontarians with valuable information, blogs, and updates on everything you need to know about insurance in Ontario. 


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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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Do Demerit Points Affect Your Ontario Car Insurance?

Do Demerit Points Affect Your Ontario Car Insurance?

Posted Feb 17th, 2023

Demerit points are a point system that gets added to your driver’s license for breaking certain driving laws. To avoid reckless driving, the demerit point system was put into place. Continue reading to learn about how demerit points can affect your Ontario car insurance.

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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 Avoid Skidding, and What to Do If It Happens

How to Avoid Skidding, and What to Do If It Happens

Posted Dec 9th, 2022

Throughout winter, you should always adjust to driving conditions, especially when the roads are covered in snow and ice. It is important for you to know how to avoid skidding, and what to do if you find yourself in a skid situation.

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Why Cyber Liability Insurance is Essential for Protecting Your Business

Why Cyber Liability Insurance is Essential for Protecting Your Business

Posted Nov 23rd, 2022

If a business experiences a data breach, ransomware attack, or other cyber-attack, there may be extremely high costs to recover. A cyber breach can also leave a business vulnerable to lawsuits or third-party claims if any personal client information is compromised during a breach. Every business that uses technology to do business, no matter how big or small, needs to have cyber liability insurance.

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PRESS RELEASE  |  Youngs Insurance Brokers Donates $30,000 to the McMaster Children's Hospital Foundation

PRESS RELEASE | Youngs Insurance Brokers Donates $30,000 to the McMaster Children's Hospital Foundation

Posted Nov 11th, 2022

PRESS RELEASE | Youngs Insurance Brokers Donates $30,000 to the McMaster Children's Hospital Foundation

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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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How Fall Maintenance Can Help You Avoid Home Insurance Claims

How Fall Maintenance Can Help You Avoid Home Insurance Claims

Posted Oct 7th, 2022

Performing regular fall maintenance tasks and checks in and around your home can help you to identify any possible potential issues and allow you to resolve them before they become big enough issues that could raise your home insurance costs or cause a home insurance claim.

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17 Ways to Save Money on Your Ontario Car Insurance

17 Ways to Save Money on Your Ontario Car Insurance

Posted Oct 4th, 2022

 With the rise of inflation and the increasing costs of groceries and gas, among other things, many car owners are looking for ways they can save money, including on their car insurance. Ontario drivers will be happy to know there are quite a few ways they can lower their car insurance premiums and save money every month. Continue reading to learn all the ways you can save money on your car insurance.

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First Annual Patty Valleriani Memorial Charity Golf Tournament | Gallery

First Annual Patty Valleriani Memorial Charity Golf Tournament | Gallery

Posted Oct 4th, 2022

We are beyond grateful to everyone who sponsored and participated in our First Annual Patty Valleriani Memorial Charity Golf Tournament! We've shared some highlights and photos!

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Giving Back | The 2nd Annual National Day for Truth and Reconciliation  | Orange Shirt Day |

Giving Back | The 2nd Annual National Day for Truth and Reconciliation | Orange Shirt Day |

Posted Sep 29th, 2022

September 30th, 2022 is the second annual National Day for Truth and Reconciliation, formally known as Orange Shirt Day. This day provides an opportunity to honour the experiences of Indigenous Peoples, celebrate their resilience, and affirm that every child matters. September 30th was chosen because for many generations, on that day, Indigenous children were taken from their families and homes and forced into the residential schools.

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Everything You Need to Know About Travel Insurance

Everything You Need to Know About Travel Insurance

Posted Sep 27th, 2022

When planning a vacation or trip, it is important to invest in travel insurance to ensure your safety, health, and financial investments will be protected. Even if your trip is perfectly planned out, there are always unexpected circumstances that could arise, leaving you unprotected while abroad. Continue reading to fully understand why travel insurance is crucial for any vacation or trip.

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How Your Credit Score Can Impact Your Home Insurance Rates

How Your Credit Score Can Impact Your Home Insurance Rates

Posted Sep 2nd, 2022

Your credit score is used by lenders to gather insights into your financial situation and your potential risk. But how does this impact your home insurance rates? Will you still be able to obtain home insurance with a low credit score? And how can you improve your credit score in the future? Read below to discover everything you need to know about your credit history and how it may impact your home insurance premium.

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14 Vehicle Options for Cheap Car Insurance in 2022

14 Vehicle Options for Cheap Car Insurance in 2022

Posted Sep 2nd, 2022

Many factors can affect the price of your car insurance premium, and the type of car you own or rent is one of these factors. If you are looking to save money on car insurance, it is important to take into consideration the estimated insurance premium you will be required to pay when buying or renting a new or used vehicle.

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Ontario Drivers Reminded to Renew Their Licence Plates

Ontario Drivers Reminded to Renew Their Licence Plates

Posted Aug 24th, 2022

 Ontario Police have recently released statements and a video reminding drivers that they are still required to get their license plates renewed every one to two years, most commonly before the driver’s birthday. You are no longer required to pay the annual $120 fee to renew your plates, but any drivers who refrain from renewing their plates can be fined $110 - $500 under the Highway Traffic Act.

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