Coverage:
 
Planning on hitting up the water this summer? Don’t forget the insurance! Boat and personal watercraft insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the boat, there are different levels of coverage. The main coverage available would be for the boat, or personal watercraft hull, along with the motor, boat contents (eg. GPS, fish finders), trailer, and your personal liability while operating the watercraft. It’s always best to deal with a broker who will take the time to explain your boat insurance coverage options to you.
 
Choice:
 
With offices across Ontario, I can find the right boat insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive boat and personal watercraft insurance rate that fits your needs and budget.
 
Professional Advice:
 
If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
 
Payment Flexibility:
 
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
 
Additional Coverage:
 

• Reasonable Repairs
  Covers repairs incurred to protect covered property from further damage.

• Emergency Service
  Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

• Wreck Removal
  Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.

• Umbrella Liability
  Provides additional boat insurance coverage across the board for home, auto and watercraft.

Coverage:
 
Cottage insurance is growing in popularity and continues to evolve from insurer to insurer.  There are various levels of coverage available depending on the cottage location, fire protection available in the area, type of cottage, and the frequency that you visit the property. Not all cottage insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your cottage insurance coverage and provide you with some competitive options.
 
Choice:
 
With offices across Ontario, I can find the right cottage insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive cottage insurance rate that fits your needs and budget.
 
Discounts:
 
Each insurance company has many cottage insurance discounts available. I will work with you to find the best cottage insurance for your situation. Some of the discounts available are:
 

• Multi-policy discount (insuring auto and property with the same company)

• Multi-property discount (insuring multiple properties with the same insurance company)

• Mortgage free discount

• Newer cottage

• Monitored Alarm discount

• Claims free discount

• Non-smoker discount

• Loyalty discount

• Sewer backup prevention

• Shuttle tank fire protection discount
   

Professional Advice:
 
There are very few people that actually review their cottage insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
 
Payment Flexibility:
 
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
 
Additional Coverage:
 
Sewer backup coverage

Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
 
Home based business

What happens if you run a home based business out of your cottage? Did you know you can get additional liability and business contents coverage added in most cases? This is very important especially if you have clients coming to see you at your home office.
 
Jewellery rider

Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
 
Silverware, goldware, stamps, coins  and collections
All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options to include additional coverage.
 
Personal watercraft coverage

If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.

Umbrella coverage
An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.

Coverage:
 
Residential rental properties are a popular investment in Canada. Insuring them can be fairly straight forward depending on how they are managed, and the type of tenants leasing the property. Single family rentals with annual leases are ideal. Short term rentals, furnished rentals, student rentals and commercial/residential mixed properties all will need a specialty insurance solution. Let me work with you to review your rental property insurance needs and provide you with some competitive options.
 
Choice:
 
With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive rental property insurance rate that fits your needs and budget.
 
Discounts:
 
Each insurance company has many condo insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
 

• Multi-policy discount (insuring auto and property with the same company)

• Multi-property discount (insuring multiple properties with the same insurance company)

• Mortgage free discount

• New Home discount

• Monitored Alarm discount

• Retiree (age) discount

• Claims free discount

• Non-smoker discount

• Loyalty discount

• Sewer backup prevention
   

Professional Advice:
 
There are very few people that actually review their rental property policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
 
Payment Flexibility:
 
Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
 
Additional Coverage:
 
Sewer backup coverage

Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
 
Rental Income

This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
 
Building owner’s contents coverage

Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).

Coverage:

University and college towns offer great investment opportunities for those looking to own a student rental.  Although these properties can be profitable, they are viewed as higher risk in the eyes of many insurers and require a policy specifically built for these types of properties. Risk management is a key part in obtaining the best student rental insurance. Let me work with you to review your student rental insurance needs and provide you with some competitive options.

Choice:

With offices across Ontario, I can find the right student rental insurance for you. Our brokerage represents over 15 insurance companies in Ontario, and 5+ companies that specialize in insuring student rentals. With that many to choose from, we are sure to find you a very competitive student rental property insurance that fits your needs and budget.

Risk Management:

Student rentals can be higher risk if you don’t put a risk management policy in place. Consider the following steps before taking on any new lessee’s.
 

• Request multiple references

• Have annual leases for each student

• Have a requirement that each student have their own tenant insurance in the lease

• Have a requirement that all cooking be done in communal kitchen (no hot plates allowed)

• Inspect the exterior of the property monthly

• Inspect the interior semi-annually

• Have an emergency plan posted in the home in case of fire or medical emergency

• Have a contract for snow removal to prevent slips and falls, or have a written agreement outlining tenants responsibilities in this matter.
   

Professional Advice:

There are very few people that actually review their rental property insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.

Payment Flexibility:

Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.

Additional Coverage:

Rental Income
This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.

Building owner’s contents coverage
Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).

Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.

Equipment breakdown

Flood & Earthquake