Water damage is now the number one cause of claims for Ontario homeowners.  The amount of damage can be so devastating that it’s prudent to know what’s covered by your home insurance policy.    Many people just assume they have coverage but there are many different kinds of water damage and not all of them are covered.

Vacancy refers to the circumstance where, regardless of the presence of furnishings, all occupants have moved out with no intention of returning, or in the case of a newly constructed dwelling, no occupant has yet taken up residence. There are a number of circumstances that lead to vacant property: tenants move out, owners vacate their property

Wow, what a day.  Heavy winds on Wednesday caused a tremendous amount of grief for many people in southern Ontario.  From knocking down trees, cranes and building structures to blowing off shingles from many roofs.  Tens of thousands of people were without power as hydro crews worked hard to restore downed hydro wires.  The good news in all of this is that no one was seriously hurt.  

What should you do if there is an imminent threat of overland flooding?

If overland flooding is imminent shut off electricity to areas of the home that may be affected. If possible, use sand bags, install flood shields or built-up barriers for basement windows and doors.

 

When you’re in the market for insurance, knowing who to turn to for advice is an important step in the journey. If you’re uncertain about the difference between a broker and an agent, check out the details here before you choose the one that best suits your needs.

From finding the perfect clients to childproofing your home, there’s a lot to think about when you’re planning on opening a home daycare — don’t let insurance fall through the cracks. We’ve got answers to some of the most common questions about insurance for home daycares.

We have been experiencing more clients forgetting to renew their driver’s licence for various reasons.  This can have dire consequences, especially when it comes to your automobile insurance.  If you do not have a valid driver’s licence you do not have car insurance.  The Ontario automobile policy only provides

With the current flooding events happening in Ontario and Quebec everyone should be checking their insurance policies for coverage.  It wasn’t that long ago when flood insurance was not available for home insurance policies.  Here’s the quick and dirty on flood insurance in Ontario.  Flooding is rapidly becoming the

Do you drive a snowmobile, motorcycle, all-terrain vehicle, classic vehicle, boat or similar seasonal vehicle?  If so, then it’s good to understand the nuances of the coverage A regular car insurance policy’s annual premium is considered earned evenly throughout the year.  Therefore if the policy were to be cancelled half