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Category: Home Insurance

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5 Easy Ways to Protect your Home from Extreme Weather Events

April 22, 2024

Did you know that over the past 15 years, natural disaster claims in Canada have more than quadrupled? In 2023 alone, the Canadian insurance industry paid out a staggering $3.1 billion in claims due to natural disasters like floods and wildfires. That’s a hefty sum, and it’s impacting all of us with higher insurance premiums and difficulty in getting the right protection for our homes and businesses. There are steps we can all take to minimize the impact of weather-related damage caused by intense storms

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closeup of man's hand with a wet sponge, soaking up water as the result of a flood

Does Home Insurance Cover Plumbing Issues?

February 13, 2024

Plumbing problems can be a real headache for homeowners. From burst pipes to appliance leaks, these issues can lead to costly repairs and potential damage to your property. Coverage for water damage can vary widely from insurer to insurer and not all home insurance policies are the same.  Many homeowners wonder if their insurance policies cover these plumbing issues and provide financial protection in case of a plumbing emergency.  Understanding Home Insurance Coverage Home insurance is designed to provide financial protection for your home and

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wooden model of a home with a stack of coins beside it.

Average Home Insurance Costs in Ontario: Factors Affecting Home Insurance Costs

February 13, 2024

Home insurance is an essential aspect of protecting your property and ensuring your financial security. If you own a home in Ontario, understanding the average costs of home insurance is crucial for budgeting and making informed decisions about coverage. What is the average cost of home insurance in Ontario? The average cost of home insurance in Ontario is approximately $1,200 per year. According to the JD Power & Associates 2018 Canada Home Insurance Study, the median annual Ontario homeowners insurance rate in 2018 was $1,284,

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Happy family and friends with sparklers celebrating Christmas at home

6 Tips for a Safe Holiday Season

December 20, 2023

With the holiday season in full swing, you’re probably humming Christmas carols on your drive home and failing miserably to resist the tsunami of sweet treats that seem to appear daily in the office lunch room. Before you dive into your last-minute preparations and settle down to enjoy festive fun with family and friends, take a moment to consider these useful safety tips. 1 Don’t forget to shovel. Be sure to keep your driveway and walkways clear of snow and ice so that guests can

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closeup of model home on a table with house keys in frontkeys on a

14 ways you might be invalidating your home insurance

November 7, 2023

Home insurance is undeniably an essential safeguard for homeowners, providing financial coverage for potential damages or losses. However, in certain circumstances, homeowners may inadvertently jeopardize their home insurance coverage, leaving them exposed to financial risk. This article uncovers 14 common ways Ontario homeowners might unintentionally increase the risk of a claim and jeopardize their home insurance. Common ways you might jeopardize your insurance. 1 Non-Disclosure of Home-Based Business Operations Operating a business from your home might seem harmless, but it can potentially compromise your coverage.

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Couple reviewing their home and auto insurance on a tablet

Easy Ways to Save on your Home and Auto Insurance

May 31, 2023

These days everyone is looking for ways to reduce their spending and protect their savings. Cutting back on streaming services or purchasing fewer pre-packaged foods and cooking at home instead of going out can have a substantial impact on your wallet. Inevitably, many people will look at their insurance premiums and wonder if there any savings to be found by reducing their coverage or changing their payment options.   Whatever your method for saving money, be sure to talk your insurance broker to see if you

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Young woman holding up a basin to catch dripping water from her ceiling

7 Things You Can Do to Prevent Your Basement Flooding

May 4, 2023

Hints and tips to help prevent a wet basement – or worse. April showers might bring May flowers, but these days it seems that many of the showers have morphed into torrential downpours and widespread spring flood warnings have become the norm instead of the exception. Every home is at risk of having its basement flooded even if it’s never happened before and it’s more likely to occur during heavy rains or when snow and ice melt and there’s nowhere for the resulting water to

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Couple running a home-based business taking an order over the phone

5 things you need to know about home-based business insurance

May 20, 2022

When you’re thinking of starting your own business, it’s easy to get lost in the details. What will I call my online shop? Who will design my logo? Where can I find the perfect cookie-cutter for dog biscuits shaped like hamburgers? While business insurance might not be the most exciting thing to think about when you’re picturing yourself as the next big winner on Dragons’ Den, it’s an important one. Here are the top five things you need to know about insuring your home-based business:

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Woman leaning on cardboard box while moving house

Insuring your home isn’t just for homeowners

January 20, 2022

Getting renters insurance is a smart way of protecting yourself and your belongings. If you rent your home, whether it’s an apartment, condo or house, do you have tenant insurance? A recent survey conducted by TD Insurance found out that almost half of Canadian renters (41%) opt out of getting tenant insurance. Many cite cost as a factor or the mistaken belief that their landlord’s insurance policy will cover their personal belongings in the event of theft, fire, or water damage. While landlords have property

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tree lying across city street

Weather Patterns Are Changing

November 13, 2018

All Canadians – especially those of us who work in insurance – are becoming mindful of our changing weather patterns. In many cases, these changes have been very dramatic. Since the beginning of 2018, there have been numerous severe storms across parts of Canada.  In 2018, homeowners and businesses across Ontario experienced several major windstorms as well as severe ice and rain event and winter is just beginning. As a result, our industry has had thousands of claims reported across all markets and some adjusting

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