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Insurance for Cottages, Camps & Vacation Homes

Your vacation property is your second home or your home away from home, so you need to protect it as you would your primary residence. Many insurance policies, however, treat vacation properties differently, so don’t assume that you’ll automatically get the same coverage for your cottage as your home. If rent your vacation property you […]
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When Away from Home

WHAT TO DO WHEN YOUR HOME IS UNOCCUPIED Your insurer considers an unoccupied dwelling riskier than an occupied one. Depending on how long you are away from your home, you need to make arrangements to ensure your dwelling is checked regularly, especially through the heating season. In some circumstances, you may need to inform your […]
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Home Inventory

A home inventory of what you own can make an insurance claim for damage or loss faster and easier. But many of us don’t worry much about what we have until it’s gone. Preparing a home inventory does require a bit of work up front but it will save you painstaking effort later should you […]
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Home-Based Business

More and more people are starting home-based businesses for everything from marketing homemade products to keeping a home office for a consulting business. From an insurer’s perspective, this adds new types of risk to your home and, therefore, may require additional insurance. Residential policies provide limited coverage on business property Anything you use to carry […]
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Choose the Right Policy

Make sure you purchase an insurance policy that reflects the unique qualities of your home, its contents and the people who live there. Your home should be insured from the moment you take legal ownership – even if it is under construction. Our expertise is particularly useful at this stage when you really need to […]
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Farm Liability

Your Farm Liability Coverage will protect you from legal liability arising out of injuries to a Third Party Person or damage to a Third Party’s Property in the course of your personal activities as well as your farm activities. This coverage also includes Voluntary Medical Payments, Voluntary Property Damage and Tenants’ Legal Liability as described […]
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Farm Earnings Insurance

This will come into play after you have a loss and you need income to continue with your farming operations. Earnings Insurance will do for you what your farm operation would have if such an interruption had not occurred.
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Facts of Farm Property Coverages

Your insurance coverage on farm produce, farm machinery and farm livestock are subject to a Co-Insurance percentage of 80%. You therefore need to maintain a limit of insurance on these items to at least 80% of the value of this property. Your farm property is subject to the policy deductible. You may be able to […]
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Five Sections of Farm Policy

There are five different sections to a farm policy: Residential Property Coverages (Farmowners) Farm Property Coverages (Farm buildings, machinery, produce and livestock) Residential Property Limited Coverages (Rented dwellings, seasonal, mobile homes) Miscellaneous Coverages (Jewellery, furs, watercraft, etc.) Farm Liability (Including Farmer’s Limited Pollution Liability Insurance at a maximum limit)
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Save Money on Business Insurance

Business owners have likely noticed the soaring costs of insurance premiums in recent years. But since protecting your business and livelihood is a necessity, you need to look for creative ways to reduce insurance costs. Prioritizing your top business needs Insurance policies contain need-to-have clauses and nice-to-have ones. With the help of your broker, your […]
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