Ontario Home Insurance Resources

Shopping for home or tenants insurance in Ontario is not quite as straightforward as shopping for auto insurance. That’s because the government has very strict rules for auto insurance, but not for home insurance. Insurance companies can determine your premium based on whatever risk factors they think are most important. (For auto insurance, certain factors are banned.)

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There are more than 40 different insurance companies that offer home insurance in Ontario. It can be difficult to tell one from the next sometimes. A lot of them seem to offer similar things, so how do you know which one to choose? There’s no one answer, but there are certainly ways to narrow it down.

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Somebody Purposely Damaged Your Home or Stole Your Stuff:

You come home to find that someone has broken in, stolen your valuables and/or vandalized your home. Theft and vandalism are covered under most home insurance policies. In most cases, there are dollar limits. Read more

There’s a fire in your house:

If there’s a fire in your house, insurance is the last thing you should be thinking about.

To put your mind at ease, fire losses are generally covered by any home insurance policy, as long as the fire wasn’t set on purpose (arson). Read more

Recreational cannabis users living in condominiums in Ontario can be forgiven for feeling like they’ve been left high and dry (pun intended).

The legalization of weed for recreational use has not been warmly received by condo corporations, with many introducing their own rules to ban the drug, not only in common areas, but also in individual units.

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Preparing For the Cold

In Ontario, winter weather can fluctuate greatly from one day to the next. In southern Ontario, and in the GTA specifically, Lake Ontario contributes significantly to the weather we experience.

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While You Were Gone – Avoid Costly Surprises When on Vacation

As Canadians, we like to escape winter if we can—maybe spend a few of the harsher weeks of the season down in some tropical destination. Read more

The Ho! Ho! Ho! spirit associated with the start of winter can easily turn into woes as extreme weather conditions result in severe property damages. Are insureds – both homeowners and commercial landlords – adequately prepared for extreme weather in terms of risk mitigation as well as awareness of their insurance coverage? Read more

It can seem like easy money, but before you list your “basement apartment” on Kijiji, there are a few things you need to know. Read more

Avoid the insurance, legal, and municipal financial pitfalls associated with slip and fall risk exposure. Read more