Question 1

How much should I pay for car insurance per month?

Accepted Answer

You're going to hear this answer a lot when it comes to insurance: it depends! There are many factors that determine how much you will pay each month. Things like where you live, your insurance history, your driving record, and age all have an impact on your monthly rate.

Question 2

Am I covered under my parent’s car insurance?

Accepted Answer

You just graduated high school and your parents bought you a car? Lucky you! Before you hit the road let’s make sure you’re properly insured. The ownership of the vehicle has to match the policy holder. This means that if your parents buy you your own car, you need your own policy. You are not covered under theirs.

Maybe you’re not so lucky and you still have to borrow your parent’s car. If that’s the case, don’t worry! You’ll have your own car one day! Call a broker before you hit the road to make sure you're covered.

Question 3

Is home insurance mandatory in Ontario?

Accepted Answer

Home insurance is not mandatory in Ontario. However, if you're taking out a mortgage, many banks require you to have home insurance.

Question 4

What insurance do I need for a small business?

Accepted Answer

The insurance you need for your small business depends on the nature of your business. Insurance needs for hairdressers are different than insurance needs for contractors, and retail businesses need different insurance than restaurants. If you are looking to insure your small business, a broker can explain exactly what type of insurance makes sense for you.

Question 5

How do I get business insurance?

Accepted Answer

The best way to get business insurance is by calling a broker! We can help you spend less time worrying about insurance and more time focusing on your business.

Question 6

What is covered by business insurance?

Accepted Answer

There are various types of coverage available and it is best to speak to a broker to determine what makes the most sense for your business. Some of the most commonly purchased business insurance coverages are:

Property coverage
Commercial general liability
Business interruption coverage
Commercial auto coverage

Don’t know what some of the insurance terms are? Don’t worry! It’s our job to speak the language. Call a broker to find out what type of coverage is best for you.

Question 7

Is insurance higher on newer cars?

Accepted Answer

Sometimes yes, sometimes no. Sorry, we know that’s the worst answer, but there are so many factors that determine how much you pay for insurance. Safety features on newer cars can potentially lower your rate. But your insurance history, age, location and so many other things influence your rate as well.

Question 8

Is it cheaper to insure an older car?

Accepted Answer

Sometimes yes, sometimes no. The age of the car is one factor insurance companies consider, but they also consider many other things, like your age, location, and insurance history, just to name a few.

Question 9

Can you file a car insurance claim without a police report?

Accepted Answer

Yes, however certain claims may require a report. In the event of a claim, a broker can help you determine what you will need to file a claim.

Question 10

How much does home insurance cost on average?

Accepted Answer

Every home is different, so that's hard to answer. Many factors will affect how much you pay for home insurance: the square footage, location and when the house was built are just a few things an insurance company will consider! Your best bet is to call a broker. We can get to know you and find coverage that makes sense for you.

Question 11

What should I look for when buying home insurance?

Accepted Answer

One of the most important things to look for when buying home insurance is guaranteed replacement cost. This is an evaluation that takes into account how much it would cost to rebuild your home from top to bottom in the event of a total loss.

When looking for home insurance, you should also keep water damage and sewer backup coverage in mind. Water has caused the most damage for homeowners in recent years, and it's important to be protected!

Question 12

Do I need business insurance?

Accepted Answer

Business insurance is not a legal requirement like car insurance. However, business insurance will give you peace of mind so you that you can focus on the growth and success of your business.

FAQs

How much should I pay for car insurance per month?

You're going to hear this answer a lot when it comes to insurance: it depends! There are many factors that determine how much you will pay each month. Things like where y...

Am I covered under my parent’s car insurance?

You just graduated high school and your parents bought you a car? Lucky you! Before you hit the road let’s make sure you’re properly insured. The ownership of the...

Is home insurance mandatory in Ontario?

Home insurance is not mandatory in Ontario. However, if you're taking out a mortgage, many banks require you to have home insurance.

What insurance do I need for a small business?

The insurance you need for your small business depends on the nature of your business. Insurance needs for hairdressers are different than insurance needs for contractors, an...

How do I get business insurance?

The best way to get business insurance is by calling a broker! We can help you spend less time worrying about insurance and more time focusing on your business.

What is covered by business insurance?

There are various types of coverage available and it is best to speak to a broker to determine what makes the most sense for your business. Some of the most commonly purchase...

Is insurance higher on newer cars?

Sometimes yes, sometimes no. Sorry, we know that’s the worst answer, but there are so many factors that determine how much you pay for insurance. Safety features on new...

Is it cheaper to insure an older car?

Sometimes yes, sometimes no. The age of the car is one factor insurance companies consider, but they also consider many other things, like your age, location, and insurance h...

Can you file a car insurance claim without a police report?

Yes, however certain claims may require a report. In the event of a claim, a broker can help you determine what you will need to file a claim.

How much does home insurance cost on average?

Every home is different, so that's hard to answer. Many factors will affect how much you pay for home insurance: the square footage, location and when the house was built...

What should I look for when buying home insurance?

One of the most important things to look for when buying home insurance is guaranteed replacement cost. This is an evaluation that takes into account how much it wo...

Do I need business insurance?

Business insurance is not a legal requirement like car insurance. However, business insurance will give you peace of mind so you that you can focus on the growth and suc...

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