Why Your Home & Auto Insurance Rates Increase

insurance form

You might have noticed an increase in your home and auto insurance rates lately. If so, you aren’t alone. People across the country are facing higher rates in their new and existing policies. It isn’t simply because the insurance company decided to charge you more. There are factors that contribute to these rate increases. Understanding […]

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7 Improvements to Lower the Cost of Your Home Insurance

door handle

Home insurance is essential to maintaining the safety of your property. But the variance in monthly costs can skew depending on the security and fortification of your home.  However, you can effectively lower your monthly insurance costs yourself with these 7 home improvements.  1. Install an alarm system One of the most effective and efficient ways to […]

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Water Damage and Insurance: What You Need to Know

Weather patterns are changing worldwide, and this trend is affecting Canadians directly. Over the last decade, water and flooding have become the most common insurance claim, with floods occurring five times as often as wildfires. When it comes to protecting your home from water damage, most property owners assume their personal property insurance policies will […]

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Home Protection Guide: Snow & Ice Storms

winter home

Introduction As a homeowner, you take pride in maintaining your investment and protecting it from outside risks. Among these risks, winter weather presents some of the most significant challenges—challenges that may even lead to substantial property damage. Canada experiences some of the most extreme winter weather in the world, and homeowners constantly have to protect […]

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Distracted Driving Fines have Increased

Distracted Driving Fines Increased

The existing fines and penalties for distracted driving have increased on January 1, 2019. If convicted, the penalty you face depends on the kind of licence you hold and how long you’ve been driving. Distracted Drivers with A to G licences If you have an A, B, C, D, E, F and/or G licence, you […]

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Direct Compensation Property Damage – What You Need To Know

car accident

What is Direct Compensation Property Damage? Direct Compensation Property Damage (DCPD) is a mandatory component of auto insurance in Ontario, which covers damage to your vehicle and/or the contents of your vehicle where you are deemed not at fault in an accident. When does DCPD apply? If you are in a car accident where the […]

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42 Tips to Prepare You for an Emergency [Infographic]

When catastrophe hits, after ensuring everyone’s safety, it’s time to start the insurance claim process. You will need to provide the insurance company with documents and supporting evidence about what was lost or damaged. Of course, the better prepared you were prior to the emergency, the more likely your claim will be successful. Check out […]

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What Factors Into My RV Insurance?

RV driving

You love your motoring lifestyle, the freedom of hitting the open road with valued possessions and modern conveniences at your fingertips; but how are you covering the risk of losing an investment as large as an RV? An RV can refer to a motorhome, campervan, caravan, mobile home or any other vehicle you can live […]

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What You Should Know About OPCF’s


What is an OPCF? When you drive a car on Ontario, you are required to have a standard auto insurance policy. Your policy will include third-party liability coverage, direct compensation coverage, statutory accident benefits coverage, and uninsured automobile coverage. However, there might be times when you want to change, add, or reduce the amount of […]

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