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Does Canadian Home Insurance Cover Pest Control

When it comes to whether or not your home insurance policy covers pest damage, the answer is no. Since pest damage is considered regular “wear and tear” that is either preventable or the result of homeowner neglect, you will not find any home insurance company that will include this in your policy. WHAT IS CONSIDERED […] Keep Reading

Millennials and Home Insurance

According to Statistics Canada, home ownership rates in our country are on the decline (69% in 2011, 66.5% in 2021). Millennials (those born between 1981 and 1996) seem to be the most impacted by this trend, with home ownership rates among the 25-29 age group falling from 44.1% to 36.5%. What does this mean for […] Keep Reading

Credit Score and Home Insurance

Credit scores affect many things in our lives both positively and negatively. Those who have good credit scores seem to get more out of life than those who do not. Even with bad credit, many companies will still sell you their product, just at a higher rate to offset the risk on their end, of […] Keep Reading

Ontario Home Insurance and Vandalism

Home insurance has been developed to help you protect your home and your family in many different circumstances. When choosing the coverage that they want, most people think of the big things like flood, fire and theft however, it is important to make sure that vandalism is also covered. Vandalism is covered by your home […] Keep Reading

Most Common Ontario Home Insurance Claims

Mother nature can be unforgiving and she doesn’t take into consideration whether or not you have homeowners insurance before blindsiding you with disaster. Her unpredictability makes it important to ensure that your home insurance covers you for her fury and that your policy is always up to date. Here are a few of the most […] Keep Reading

Ontario Home Insurance and Theft

There is little scarier to a homeowner than the thought of the space they deem to be the safest could be breached by a stranger, attempting to take their belongings. This is why it is important to make sure that the home insurance policy you choose has an insured peril that includes coverage in case […] Keep Reading

Pros and Cons of Buying a Condo in Ontario Canada

With the housing demand in Ontario reaching an all-time high many buyers are looking at condominiums as an option rather than single-family dwellings. If getting into the market is something that appeals to you or if you are looking at downsizing your space and home upkeep, a condo could be an interesting option. Before making […] Keep Reading

Backup Power Generators and Ontario Home Insurance

Ontario usually deals with the most power outages of any province in Canada. (1) With threats to the reliability of our power supply increasing, such as natural disasters related to climate change, more Ontario homeowners are using backup power generators to keep them up and running when the power goes out. (2) Let’s talk about […] Keep Reading

How to Prevent Apartment Break-Ins

Even with the province of Ontario having a maximum sentence of life in prison for breaking and entering into an occupied dwelling (1), these types of crimes saw an increase in 2021 and 2022. (2) While single-family homes on the ground are 15% more likely to be burglarized than apartment buildings (3), living in an […] Keep Reading

Home Insurance Cancellation Fee Ontario

A lot of people wonder if having home insurance in Ontario is a legal requirement. Short answer: no. However, life is unpredictable, not to mention expensive, so not having home insurance can end up costing you way more than your premiums ever would have, if the unthinkable were to happen. Learn more and get a […] Keep Reading

Home Daycare Insurance Ontario

Starting a daycare as a home-based business can be a great way to earn money while working from home, especially when you have little ones of your own. As with any small business involving children, you will need to purchase insurance to protect yourself and the children in case of any accidents that happen during […] Keep Reading

Home Insurance Claim Process in Ontario

Starting and working through an Ontario home insurance claim is not something any homeowner wants to do so we make every effort to make the process as efficient and painless as possible. You can learn more about our insurance claim process here. Looking for a quote for home insurance? Get one here. Let’s take a […] Keep Reading

High-Value Ontario Home Insurance

These days in Ontario, a home doesn’t need to be considered a mansion to be classified as a high-value home. Million-dollar homes are everywhere! With the prices of homes being what they are these days, more people are finding themselves growing out of regular home insurance and in need of high-value home insurance. WHAT IS […] Keep Reading

Mobile Home Insurance Ontario

Having quality mobile home insurance in Ontario is just as important as having regular Ontario home insurance. While neither is a legal requirement in Ontario, they’re both a crucial safety net for home / mobile homeowners to protect their most valuable asset. WHAT IS CONSIDERED A MOBILE HOME? While the answer here is usually obvious […] Keep Reading

Is There a Tax on Home Insurance in Ontario?

Even though it’s one of the most important monthly bills homeowners pay (usually only behind the mortgage), no one likes having to pay more than they need to for home insurance. DO INSURANCE COMPANIES CHARGE TAX ON HOME INSURANCE PAYMENTS? Yes. Home insurance policyholders in Ontario pay an 8% provincial sales tax on top of […] Keep Reading

Is Home Insurance Mandatory in Ontario?

Almost every homeowner in Ontario understands the value of home insurance well enough to know it’s worth the cost and to make sure they have it. Especially first time home buyers looking to save money on their home insurance. The question is though, is having home insurance mandatory in Ontario? Mostly no, sometimes yes. HOME […] Keep Reading

Rising Costs of Ontario Home Insurance

We’ve all felt the impact of rising costs recently and things are no different when it comes to Ontario home insurance. Get a quote here. A Stats Canada report from June 2023 showed that home insurance costs across Canada were up 8.2%. According to Rates.ca, things are even worse in Ontario with home insurance costs […] Keep Reading

Decks and Home Insurance in Ontario

As homeowners in Ontario, we take great pride in our backyard decks because we know how few opportunities we have to enjoy them throughout the year. On top of designing, building, sanding, staining and decorating your deck, it’s also important to ensure it’s protected by your Ontario home insurance. Looking for a quote? Visit here. […] Keep Reading