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Tag: home insurance

Business office desk with notebook written about plan listing of new year goals and resolutions

Insurance Resolutions: What to Update In the New Year

January 15, 2026

Most New Year’s resolutions are abandoned by the second week of February. This is one resolution that will protect you, your family, and your assets for the entire year—and it only takes a conversation. As the holiday decorations come down and the deep winter sets in across Orillia, Midland, and Muskoka, our thoughts naturally turn to the year ahead. We make promises to ourselves: to eat better, to exercise more, or to finally tackle that renovation project. But among the gym memberships and diet plans,

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Portrait Of Senior Friends Standing On Rocks By Sea On Summer Group Vacation With Arms Outstretched

Snowbirds: Simple Home and Auto Insurance Tips Before You Travel.

January 9, 2026

Heading Somewhere Warm for the Winter? A Few Insurance Tips Before You If you’re one of the many Canadians who escape winter for a few months, good for you! Before you lock the door and take off, there are a few simple insurance-related things worth checking. They don’t take long, but they can make a big difference if something unexpected happens while you’re away. Make Sure Someone Is Checking on Your Home When a home is empty for an extended period—especially in winter—it’s more at

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Ice Dam On Roof. Elevated View of Icicles and Snow on Building Eaves

How to Prevent Snow Load and Ice Damage to Your Home This Winter

December 23, 2025

Winter is here and so is the snow. With heavy snowfall already piling up, it’s a good time to think ahead about protecting your home before small issues turn into expensive repairs. Last winter saw record levels of snow fall and many homeowners across our region dealt with unusually high snow buildup. That led to a surge in problems like roof damage and water leaks caused by snow weight and ice dams and record levels of snow damage and ice damming claims. While most home

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Plumber repairing a burst water pipe in a basement.

Winter Vacations and Home Insurance in Ontario: How to Avoid Water Damage Claims

December 16, 2025

When colder weather arrives, water damage from frozen and burst pipes becomes one of the biggest risks for homeowners. That’s why insurance policies include specific conditions that apply if you go away and your home sits empty for a few days during the heating season. If these conditions aren’t followed, you could run into problems with your insurance coverage if water damage occurs. You might even have your claim denied. Why Winter Absences Matter When temperatures drop, pipes can freeze and burst quickly. If no

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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 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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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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