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Top 5 Reasons You Need Tenants Insurance in Ontario

January 14, 2025

As a renter in Ontario, you might think that your landlord’s insurance policy covers everything in your apartment or rental home. However, this is a common misconception that could leave you financially vulnerable. Tenants insurance, also known as renters insurance, is a crucial safeguard for anyone renting a property in Ontario. At McLean & Dickey Insurance, we’ve seen firsthand how tenants insurance can make a significant difference in our clients’ lives. Here are the top five reasons why you need tenants insurance in Ontario. 1.

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A Practical Guide to Insurance for Ontario Contractors.

January 10, 2025

The Insurance Guide for Ontario Contractors: What You Really Need to Know If you’re a contractor in Ontario, having the right insurance isn’t just a nice-to-have – it’s often a legal requirement and essential for protecting your business and winning jobs. Let’s break down exactly what you need to know about contractor insurance in plain language. Why You Need Contractor Insurance Simple fact: Most clients won’t hire you without proof that you have proper insurance coverage. Plus, it protects you from potentially devastating costs if

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5 Smart Ways to Protect Yourself from Identity Theft

November 28, 2024

Identity theft is on the rise in Canada, with alarming statistics to back it up. A TransUnion Canada study shows nearly half of Canadians have been targeted by fraud, and digital fraud attempts jumped by 40% in early 2023 alone. Over the past decade, identity theft has surged 14%, costing Canadians a staggering $283.5 million in 2023, according to the Canadian Anti-Fraud Centre (CAFC). Yet, many cases remain unreported. What Is Identity Theft Protection? Identity theft coverage is a valuable yet often overlooked addition to

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Stolen Cars and Re-Vinned Vehicles: What You Need to Know Before Buying.

November 27, 2024

Buying a used car can be an exciting experience, but it comes with its own set of risks, especially with the rise of re-vinned vehicles. Re-vinning is a sophisticated method used by criminals to disguise stolen cars by altering their Vehicle Identification Number (VIN). This practice is becoming increasingly common in Canada, posing significant risks to unsuspecting buyers. Here’s what you need to know to protect yourself. What is Re-Vinning? Re-vinning involves stealing a vehicle and replacing its original VIN with a counterfeit one. This

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What is Classic Car Insurance and Why Do You Need It?

November 1, 2024

Classic cars are more than just vehicles; they’re pieces of history, works of art, and often significant investments. If you’re a proud owner of a classic car in Ontario, you need to protect your prized possession with the right insurance. But what exactly is classic car insurance, and why is it so crucial? Let’s dive into the world of classic car insurance and discover why it’s an essential consideration for any vintage automobile enthusiast. What is Classic Car Insurance? Classic car insurance is a specialized

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The Ultimate Guide to Business Insurance in Ontario

November 1, 2024

In the dynamic business landscape of Ontario, protecting your enterprise is paramount. This article will walk you through the essentials of business insurance in Ontario, helping you navigate the complexities and make informed decisions to safeguard your company’s future. Understanding the Importance of Business Insurance in Ontario Business insurance is not just a legal requirement in many cases, it’s a crucial component of risk management. It provides financial protection against unforeseen events that could otherwise cripple your business. In Ontario’s competitive market, having the right

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How much does Tenants Insurance cost in Ontario?

November 1, 2024

Navigating the complexities of insurance coverage as a tenant in Ontario can seem daunting. While tenant insurance isn’t legally mandatory, it provides invaluable protection against unforeseen events, safeguarding your personal belongings and financial well-being. In this article, we’ll explore the average cost of tenant insurance in Ontario, the factors influencing these premiums, and strategies to optimize your coverage and save money. What is Tenant Insurance? Tenant insurance, also known as renters insurance, is essential for individuals renting their living spaces. Unlike homeowner’s insurance, which covers

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toy house floating on endless water inside a red and white life preserver

Is Flood Insurance Worth It? Key Reasons to Consider.

July 23, 2024

Introduction Floods are among the most common and devastating natural disasters, causing billions of dollars in damage each year. Yet, many homeowners and renters are unaware that their standard insurance policies do not cover flood-related losses. This is where flood insurance comes into play – a crucial safeguard that can protect your home, belongings, and financial well-being in the event of a flood. In this article, we’ll delve into the world of flood insurance, exploring why it’s essential, who needs it, how it works, and

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8 Tips to save on motorcycle insurance

July 11, 2024

Riding a motorcycle in Ontario can be an exhilarating experience, but the cost of insurance can quickly dampen the thrill. With average premiums reaching around $1,600 annually, finding ways to save on motorcycle insurance is crucial for riders. In this article, we’ll uncover 8 proven strategies to help you navigate the insurance landscape and secure the best possible rates for your two-wheeled companion. Factors That Influence Motorcycle Insurance Costs Before we dive into the money-saving tips, it’s essential to understand the key factors that insurance

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downed tree across hydro lines and driveway

Which disasters are covered by home insurance?

July 10, 2024

As homeowners, we often find ourselves grappling with the uncertainties of natural disasters and their potential impact on our most valuable asset – our homes. In today’s unpredictable climate, understanding the extent of home insurance coverage has become paramount. Whether you reside in a tornado-prone region, a hurricane hotspot, or an earthquake-susceptible zone, it’s crucial to know what your policy covers and what gaps may exist. In this comprehensive article, we’ll delve into the intricacies of home insurance coverage, exploring which natural disasters are typically

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