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First Time Home Buyer Tax Credit

Young home buyers in Ontario would be smart to take advantage of every opportunity they can to help make the goal of purchasing their first home more obtainable. We’ve decided to offer one of those opportunities with our first time home buyer discount for home insurance,but let’s discuss another opportunity available to first time home […] Keep Reading

Budgeting For A First Time Home Purchase

Buying your first home can be intimidating and something that many people may never experience. It may be hard but it is not impossible. We have a first time home buyer home discount available that could help you save up to 50% off the cost of home insurance when combined with a higher deductible. Let’s […] Keep Reading

The Importance of Reviewing Your Home Insurance

Your home insurance policy should be molded to suit your situation and needs. As your situation and needs evolve, so must your home insurance policy. If you haven’t reviewed your home insurance policy in a couple of years, now is the time to do so. Get a free home insurance quote in minutes right here. […] Keep Reading

Helping First Time Home Buyers Understand Home Insurance

When you’re considering buying your first home you likely have many questions. “How am I going to afford it?” “What’s different compared to renting?” “Do I hire a realtor? Which one?” “How do mortgages work?” “Do I need a lawyer?” “Is backsplit a dance move?” Click here to read all “What Ifs?” for first time […] Keep Reading

Best Home Insurance Maintenance Tips

When you have your home insured by Erie Mutual Insurance you get a FREE home loss prevention inspection as part of the policy. These home inspections allow an expert with a trained eye to help homeowners identify and resolve potential risks in their homes. This is a win-win for both you as the policyholder and […] Keep Reading

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