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Space Heaters and Home Insurance

During southern Ontario winters, space heaters can become our best friends, but they can also become our worst enemy as a potentially fatal and destructive winter hazard. We may not think much of using space heaters to stay warm, but depending on how and where they’re used, space heaters could potentially have an impact on […] Keep Reading

Risk Factors For Young Drivers: What Every New Driver Should Know

We’ve talked all about the risk factors older drivers tend to deal with. Now let’s talk about the risks that are most common among young drivers. Spoiler alert: young drivers need auto insurance as much as anyone! Getting a driver’s license is one of the most exciting milestones in a young person’s life. It represents […] Keep Reading

Christmas Tree Fires in Canada

I don’t want to bum you out here, but to those in the fire fighting and home insurance industries, Christmas isn’t only known for being the time of joy and giving. According to the stats, it’s also the time of year when you’re most likely to experience a fire at home since house fires often […] Keep Reading

Electric Vehicles and Auto Insurance

Considering purchasing an electric vehicle? You’re not alone. Since Erie Mutual offers auto insurance for electric vehicles and with the popularity of electric vehicles on the rise (in 2024, there were 202,103 battery-electric vehicles and 68,882 plug-in hybrids registered in Canada), let’s discuss. If you’re thinking about becoming the latest EV owner, it’s important to […] Keep Reading

Winter Hazards In The Home

Ah Canadian winters. A time to get cozy, slow down and reflect (when you’re not shoveling snow or slipping on icy side walks!). It’s also the time of year when we must deal with unique household hazards that could impact your home insurance policy. Let’s go over the most common winter hazards in Ontario homes […] Keep Reading

Risk Factors For Older Drivers

Not every older driver is a risky driver; however, with Father Time being undefeated, some degree of inevitable decline comes for us all. As we age, new risk factors come up that we should all be aware of for both ourselves and our loved ones, which extend far beyond auto insurance concerns. Let’s discuss some […] Keep Reading

Self Driving Cars and Auto Insurance

When the topic of self-driving cars comes up during a dinner at Bob’s Place or Debb’s on Queen, it’s likely to inspire a variety of hot takes. “They’re a dangerous gimmick! I’d never get behind the wheel of one.” “They’re our inevitable future. They’ll make roads safer and more efficient.” “Huh, like the Jetsons?” We’ll […] Keep Reading

CMHC: What First Time Home Buyers Need To Know

Buying your first home in Canada? Then you’ve likely heard about the CMHC (Canada Mortgage and Housing Corporation). Here’s what first-time home buyers need to know. What Is CMHC? CMHC is a government agency whose purpose is to help stabilize Canada’s housing market. Their main objective is to make housing more affordable for more Canadians. […] Keep Reading

Cyber Incident Response Plan

While cyber insurance is recommended as an essential layer of protection for Ontario small businesses, another great way small businesses in Ontario can small business digital liability risk is to implement and maintain a Cyber Incident Response Plan (CIRP). WHAT IS A CYBER INCIDENT RESPONSE PLAN? A Cyber Incident Response Plan (CIRP) is a formal, […] Keep Reading

Sustainable House Home Insurance

Two things the majority of people in Ontario are looking to do more of: Save money Being sustainable One way we can do both is by creating a more sustainable, energy-efficient home. Just like a Brant County couple did by building a $70,000 “earthship”. WHAT IS A SUSTAINABLE HOME? A sustainable home is one that’s […] Keep Reading

Business Insurance for Online Business

Online business has become big business in Ontario over the recent years. In 2022, 75% of the Canadian population was an e-commerce user (1), and around 5.5 million online stores are using Shopify a Canadian platform. (2) If you’re operating an online business in Ontario, getting the right small business insurance is a smart move. […] Keep Reading

Central Air Conditioning and Home Insurance

Does having central air conditioning do anything for you and your home other than helping insure you can stay cool in the hot summer temps? Here are some of the most important questions to ask yourself when it comes to central air conditioning and home insurance. IS HAVING CENTRAL AIR CONDITIONING REQUIRED TO BE COVERED […] Keep Reading

Should a First Time Home Buyer Work With an Agent or Broker?

First time home buyers have so much to think about when it comes to buying a home. Choosing a real estate agent, dealing with a lawyer, how they’re going to finance their new home purchase etc. Getting their home insurance policy in place should be one of the simpler tasks on their plate, which is […] Keep Reading

How The Biggest Industry Issues of 2025 Impact You

As of 2025, the insurance industry in Canada is facing several major challenges that are reshaping how companies like Erie Mutual Insurance operate, underwrite risk and serve customers. Here are the top 8 biggest issues the insurance industry is facing in 2025 (and how they impact you): 1/ Climate Change and Catastrophic Losses For the […] Keep Reading

First Time Home Buyer Mortgage Questions

First-time home buyers often have many questions about mortgages. Here are the most common questions they ask, along with quick answers to each. BASIC MORTGAGE QUESTIONS 1. What is a mortgage, and how does it work in Canada? A mortgage is a loan used to buy property. You borrow from a lender and repay it […] Keep Reading

Crop Insurance For Farms

First off, let us be clear that Erie Mutual does not at this time offer crop insurance (we do however cover harvested produce). However, since we do offer farm insurance and many of its associated coverages (including tractor, property, equipment, livestock and hobby farm) we have learned PLENTY about crop insurance over the last century […] Keep Reading

First Time Home Buyer What Ifs

If you’ve read about our first time home buyers home insurance discount then you already know how a first time home buyer can reduce the costs of their insurance. But, what exactly is a first time home buyer? This may seem like a simple answer (“someone who just bought their first home duh”) but it’s […] Keep Reading

Burst or Leaking Pipe and Home Insurance

Burst or leaking pipes can cause serious water damage to your home (or small business) and whether your home insurance policy covers the damage depends on several factors. Here’s what you need to know: WHEN DOES HOME INSURANCE COVER BURST OR LEAKING PIPES? Most homeowners insurance policies cover sudden and accidental water damage caused by […] Keep Reading