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Category: Home Insurance

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The Complete Guide to Filing an Insurance Claim: What You Need to Know

May 7, 2025

Filing an insurance claim can feel overwhelming, especially when you’re already dealing with property damage or auto issues. Understanding what happens behind the scenes can help ease your mind during this process. Here’s a straightforward guide to what you can expect when filing an insurance claim. Reporting Your Claim The claims process begins the moment you report an incident. To file a claim, you can call us directly at 705-325-4461. Our claims department is available 24-7. You can also login to the Client Portal and

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Closeup of ice and snow buildup and ice dam on the roof of an older home

Prevent Roof Collapse: How to Remove Ice Dams and Manage Heavy Snow Loads

March 7, 2025

Ice damming and excessive snow load can pose significant risks to the structural integrity of your home and out buildings during winter months. Below are tips to reduce and prevent snow and ice related damage. Preventing Snow Load Collapse 1. Monitor Snow Accumulation Keep an eye on how much snow is accumulating on your roof. If the snow accumulation exceeds 12–18 inches, it is a good idea to remove some of the snow to reduce the load. Be mindful that wet, heavy snow can put

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Tenant Insurance In Ontario: Coverage Details You Need To Know

January 15, 2025

If you’re renting a home in Ontario, you may have wondered about the importance of tenant insurance and what exactly it covers. While your landlord likely has insurance for the building itself, that policy doesn’t extend protection to your personal belongings or potential liability issues. That’s where tenant insurance comes in – providing crucial coverage tailored specifically for renters. In this article, we’ll explore everything you need to know about tenant insurance in Ontario, from what it covers to why it’s so important. The primary

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Happy Asian woman and her friend walking upstairs through hallway while moving in new apartment.

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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Model of small blue house with a blue umbrella over it against a blue background

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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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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close up of two people meeting in an office next to model of a condo development. Only hands and arms visible.

Condo Insurance in Ontario: Definition, Coverage & Costs

July 9, 2024

Introduction In Ontario’s dynamic real estate landscape, condominiums have emerged as a popular and lucrative choice for homeowners, offering a convenient and maintenance-free lifestyle. As the province’s housing market continues to evolve, the need for comprehensive condo insurance has become increasingly crucial. Whether you’re a first-time buyer or a seasoned real estate investor, understanding the intricacies of condo insurance can provide invaluable peace of mind and financial protection. In this article, we’ll delve into the world of condo insurance in Ontario, exploring its definition, the

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happy family sitting in their new home amid pile of boxes

What is home insurance? Everything you need to know.

May 13, 2024

Home insurance, also known as homeowner’s insurance, provides coverage for your house and personal property against damage or loss. It also offers liability protection for injuries or damages caused to others on your property. The concept of home insurance has evolved from what was once just ‘fire insurance’ to a comprehensive coverage plan that protects against various risks. What is home insurance? Home insurance is a form of property insurance designed to protect an individual’s home against damages to the house itself, or to possessions

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Happy young couple sitting on a couch discussing insurance amid open and partially unpacked moving boxes

How to Save Money on Home Insurance

April 24, 2024

Home insurance is one of those necessary expenses that we put up with for the financial protection and peace of mind it provides against unexpected events. At the same time, most of us wouldn’t mind finding a way to reduce our premiums. In this post we’ll go over various tips to help Ontario homeowners lower their home insurance costs without compromising on coverage. From bundling insurance policies to increasing deductibles, we’ll cover everything you need to know to save money on your home insurance. 1

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