Ontario Home Insurance Resources

If you’re looking to rent an apartment in Toronto or elsewhere in the GTA, you can usually get a tenants insurance package for $20-40 a month. And if you drive, which most of us do, your tenants or renters insurance could pay for itself by getting you a 5-15% multi-line discount on your auto insurance.

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Of course home insurance covers fire. It is the reason home insurance was invented back in the 1600s, and until quite recently, was the most common type of home insurance claim. The fire insurance in your policy typically covers not only the building, but also your possessions, if they are lost or damaged in a blaze. The only reasons a fire in your home would not be covered is if you set the fire on purpose, or if you are grossly negligent in fire safety.

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The price of insurance seems to always be going up in Ontario. As it pertains to home, condo and tenants insurance, the main reason for price increases over the last several decades has been a sharp increase in the number and cost of claims related to water damage. This is to be expected in an age when climate change is leading to increased frequency and severity of storms all over the world.

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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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Ontario has about 12 million registered vehicles and only about 11 million people who are currently of driving age. Long story short, if you’re an adult living in Ontario, there’s a good chance you need car insurance. But you probably see ads for dozens of different insurance companies every week, and they all say that they’re the best, that they offer the best rates, and that they give you the best service if you have to make a claim.

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Water damage is the leading cause of home insurance claims in Ontario. Do you have all the coverage you need?

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An ice dam is a build-up of ice or snow along the edge of a roof or eaves. Water from rain or melting snow then pools behind this build-up and passively backs up underneath the shingles entering the attic or wall cavity.

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This Wednesday’s windstorm in Southern Ontario left a trail of destruction and at least 100,000 without electricity. Wind gusts of up to 100km per hour toppled fences, brought down trees, ripped siding from homes, and blew shingles from roofs throughout the province. Read more

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