Home, Auto and Motorcycle Insurance


Owning a home may be your largest single financial investment so it’s important to protect your property and contents against unforeseen risks with home insurance.

What Does Home Insurance Cover?

Home insurance protects you from having to pay out a huge amount at once, often at a very difficult and emotional time. Although not mandated by law, insuring your house can give you peace of mind. With severe weather on the rise, confirming accurate replacement value and keeping a current home inventory are important steps. For high-value jewellery, furniture or art, separate endorsements are also available. Understand the limitations in your policy. Typically, additional living expenses are included if you are temporarily unable to live in your home due to an insured loss. Your Homeowners policy also generally provides your personal liability in case someone trips and falls on your property or in your home, or you damage a third party’s property or accidently injure someone else.


Shopping for vehicle insurance can be confusing for consumers – there are countless options available for automobile owners, and just as many prices to match. Understanding what each type of coverage can provide and what it costs can give you comfort and save you money. Here are some tips to make the process of finding the right car insurance faster and easier.

1. Liability Insurance

The only mandatory insurance coverage on vehicles is liability. This insurance protects others from damage that might be done by a driver while operating a vehicle. This includes any losses, including injury, death and property damage. Liability insurance in Canada also includes coverage to protect drivers against financial losses they might suffer due to their own medical expenses, and the loss of income that they could incur if injured in an automobile accident while driving. This portion of insurance coverage is referred to as accident benefits, and can be claimed even in the case of an at-fault accident.

2. Collision Coverage

Collision coverage provides financial compensation for damages that occur to the vehicle due to a collision or accident. Collisions include accidents with another vehicle or a stationery object. Collision insurance is often an expensive component of any insurance policy, and varies depending on the vehicle, driver, and many other factors.

3. Comprehensive Coverage

Comprehensive insurance coverage protects drivers against loss from events that aren’t directly related to the operation of the vehicle or the driver’s actions. This includes loss due to the actions of others, such as, vandalism (i.e. slashed tires or body damage – “keying”) or theft (including the damage caused by thieves entering the vehicle). Coverage for environmental occurrences causing damage are also included under comprehensive insurance, including windstorms, floods, hail, etc. Additionally, in the case that a vehicle is damaged by a flying object (i.e. a construction pylon, debris from another vehicle) while parked, comprehensive policies will protect the driver from financial liability. Comprehensive insurance is often reasonably priced and provides peace of mind against unfortunate, uncontrollable occurrences.

Insurance coverage and costs vary drastically depending on the types of coverage purchased. Auto insurance providers offer many options and competitive rates on their policies, but consumers have to be prepared to shop around to get the best rates.