Whether you are a first-time home insurance buyer or have owned your home for a while, you wouldn’t be alone if you wondered how the insurance company determines the insured value of your home. People often think that they need to insure the value of their home for the purchase price, but this is
Summer is a great time to get out on the water in Canada. After a long winter there’s nothing like heading out on a boat. Shopping for boat insurance can be confusing since this is not an insurance product that most people are familiar with. We specialize in boat insurance for several kinds of
As insurance brokers in Quebec and Ontario, we get a lot of clients who are moving to Montreal or Toronto from the United States, from outside the province or from Europe or other countries. One of the problems people face when moving to a new country or province is getting a good price on
Travelling can offer a beautiful change of scenery and well-deserved rest and relaxation. But when you are far from home when something goes wrong, what do you do? No one buys travel insurance expecting a problem, but the reality is that something simple might be more complicated than expected when travelling. Ensuring you have
Choosing a life insurance can be confusing as there are numerous options available. What is “Life Insurance”? Life insurance is a financial product that can significantly contribute to the financial security of your loved ones. In others words, it pays out a sum of money when the insured person dies. The money goes to
A life insurance beneficiary is a person whom you have named in your life insurance policy to receive the death benefit if you die. How to Choose Your Life Insurance Beneficiary: Revocable or Irrevocable Life Insurance is designed to financially protect your family or the people you care about. As insurance brokers, we meet
Access to medical information, expertise and insight When you are faced with an illness or injury, waiting for the right diagnosis or treatment can often times leave you feeling uncertain. There is a coverage that is often already included in your group benefits plan that would give you access to world-renowned physicians who will
Is mould covered in an insurance property policy? The short answer is NO, but there may be some circumstances where mould remediation costs could be picked up under an insurance policy. First, what is mould and how does it develop in your home? Webster’s Dictionary defines mould as: a fungus that produces a superficial
Recently, there was a small news article about a fellow from Ontario that was ticketed in Quebec for forgetting to lock his car doors. The outrage was palpable. Who knew such a silly and archaic law existed? But, is it silly? Or is it ingenious? Under the Quebec Highway Safety Act, it is an
In 1970, the classic rock band The Doors sang the lyrics “Keep your eyes on the road, your hands upon the wheel.” Those are still important words of advice almost 50 years later. But, back then, the simple process of changing the 8 track tape (Google it), which was often mounted under the dash
