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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

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

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

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

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

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

First Time Home Buyer Stats

Whether you’re interested in learning more about first time home buyers in Canada or considering becoming a first time home buyer yourself, we’ve compiled these stats and facts that should be interesting to you. Looking for more information about first time home buyer insurance? Click here. Interested in Ontario home insurance? Click here. WHO IS […] Keep Reading

Protect Your Home From Tornado Damage

If tornadoes popping up in Haldimand (1) and Niagara (2) recently have you spooked and thinking more about what this means for your home then you’re far from alone. How do you protect yourself? One of the first (and easiest) things you should do is speak with your home insurance company to see what you […] Keep Reading

First Time Home Buyer Grants in Canada

The home insurance discount we offer to first time home buyers is not the only way new home buyers can save money. As a first-time homebuyer in Canada, you also have access to several programs which are designed to make purchasing your first home more affordable. Let’s discuss… 1\ Home Buyers’ Plan (HBP) The HBP […] Keep Reading

Why Home Inspections Are Important For First Time Home Buyers

Even with first time home buyers being able to save money on their home insurance with our first time home buyer discount, it’s still just as important to have a home inspection done before you buy a home to help ensure you’re making a smart buy with confidence. IS A HOME INSPECTION MANDATORY WHEN BUYING […] Keep Reading

How Climate Change Is Impacting Your Home Insurance

The impacts of climate change are being felt all over the world, including right here at home in southern Ontario. In Haldimand and Niagara, we have been experiencing hotter summers (1), less ice formation on the Great Lakes (2), and more extreme weather like tornados (3). This can all have a significant impact on home […] Keep Reading

First Time Home Buyer Insurance Tips

According to a recent survey by Tarion around 35% of Ontario home buyers are first time home buyers. Buying your first home is an exciting milestone and getting the right home insurance coverage is a key part of protecting one of the biggest investments you will make in your life. Here are some tips to […] Keep Reading

Does Home Insurance Cover Tornadoes?

We may not often think too much about tornados here in southern Ontario, but that might be changing. Since the Northern Tornadoes Project confirmed a tornado in Haldimand on Saturday August 12, 2023 and again in Niagara Falls on Monday September 9th, 2024 more homeowners have naturally been asking questions about how their home insurance […] Keep Reading

How First Time Home Buyers Can Save on Home Insurance

As a first-time home buyer in Ontario, saving money on your home insurance is no doubt important in managing your new expenses. There are a number of ways you can reduce the expense of home insurance. First, let’s go over some ways to save during the early days of your home insurance journey. 1\ Take […] Keep Reading

Make Your Home Safer This Winter With These Gadgets

Since we live in Canada it pretty much feels like winter is always either coming or is here so it’s always a good time to learn new ways to keep our homes a little bit safer when the snow flies. The comprehensive and affordable home insurance policies we offer are the best way to protect […] Keep Reading

How Much Do First Time Home Buyers Have To Put Down?

Before you even start to think about home insurance as a first time home buyer, a more pressing topic you’ll want to consider is what amount of down payment you’ll need to buy your first home. WHAT IS THE MINIMUM DOWN PAYMENT REQUIRED TO BUY A NEW HOME? The minimum amount you’ll need to pay […] Keep Reading