Property Insurance |

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Understanding Sewer Insurance Coverage – What to Know

July 23, 2025

Understanding Overland Water, Ground Water and Sewer Backup Coverage Advice You Can Trust | From Your Team at McLean & Dickey When it comes to protecting your home, not all water damage is covered the same way, and not all coverage is automatic. That’s why understanding the difference between overland water, ground water and sewer backup insurance is so important. If you live in Orillia, Barrie, Midland, Muskoka, or the surrounding regions, you’ve likely seen just how quickly a heavy rain, a spring thaw, or

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How to be claims-ready for home insurance in Ontario

July 10, 2025

Home Insurance Is Not What It Used to Be – Why a Home Inventory Is the Key to Faster, Fairer Claims Advice You Can Trust | From Your Team at McLean & Dickey Home insurance has changed dramatically over the past 10 years. There was a time when filing a claim was fairly straightforward: you made a call, explained what happened, and your insurance provider worked with you to put things right. Today, things are different. The process is more complex, more time-consuming, and at

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Ontario Cottage Insurance – An Essential Safety Net for Homeowners

July 3, 2025

The Climate Crunch: Cottage Country at Risk. Advice You Can Trust | From Your Team at McLean & Dickey A shift is underway across Ontario’s cottage country, from Rural Orillia, Barrie and Midland to iconic Muskoka. For cottage owners who cherish the summer breezes on Georgian Bay or the peace of Muskoka’s lakes, recent winters and summers offer troubling glimpses of what climate change could mean for their cherished retreats. Cottage insurance is becoming an essential safeguard in light of these emerging risks 1. Intensifying

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Planning a Home Renovation in 2025? Here’s What You Need to Know About Insurance First.

May 7, 2025

Thinking about refreshing your kitchen, building an addition, or finally finishing that basement? You’re not alone—almost half of Canadians were planning or completing home renovations in 2024*. With rising material and labour costs, the average renovation now costs around $19,000—almost double what it was just five years ago. Renovating can absolutely improve your space and increase your home’s value—but it also comes with some serious insurance considerations many homeowners overlook. Before the first hammer swings, make sure you’re protected. Is Your Renovation Covered by Insurance?

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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Cottage Insurance in Ontario: Top 10 Benefits You Should Know

January 15, 2025

Ontario’s picturesque landscapes are dotted with charming cottages, offering residents and visitors alike a serene escape from the hustle and bustle of city life. These cherished retreats, whether nestled by a tranquil lake or tucked away in a dense forest, represent more than just a property investment – they’re a sanctuary for creating lasting memories with loved ones. However, owning a cottage comes with its unique set of challenges and risks. This is where cottage insurance steps in, providing a crucial safety net for your

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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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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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

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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