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Featured · Auto
All Perils vs. Specified Perils Car Insurance
All perils vs. specified perils car insurance: how the two optional coverages differ, what each typically includes, and which drivers tend to choose them.
By MyBrokers Communications · October 9, 2026 · 6 min read
Read article →Latest articles
Home
What Is Equipment Breakdown Coverage on Home Insurance?
What is equipment breakdown coverage on home insurance? A look at how Canadian policies treat a sudden furnace, heat pump, or water heater failure.
October 9, 2026
5 min read
Business
What Is Goods in Transit Insurance for a Business?
What is goods in transit insurance for a business? A look at how this coverage is designed to protect goods and equipment while they move between locations.
October 9, 2026
6 min read
Auto
Do Monthly Car Insurance Payments Cost More?
Do monthly car insurance payments cost more than paying annually? A look at financing fees, lost discounts, and what drivers in Canada actually pay.
October 8, 2026
5 min read
Business
What Is Loss of Rents Coverage on a Commercial Policy?
What is loss of rents coverage on a commercial policy? A look at how it is designed to help landlords recover lost rental income after a covered loss.
October 8, 2026
6 min read
Home
When Do You Need Home Insurance on a New Build?
When do you need home insurance on a new build? A look at closing dates, course of construction coverage, and the handoff before you move in.
October 8, 2026
7 min read
Home
What Happens to Home Insurance When You Sell Your House
What happens to home insurance when you sell your house in Canada? A look at staying covered until closing, cancelling after, and insuring a new home.
October 7, 2026
6 min read
Business
What Is Wrap-Up Liability Insurance?
What is wrap-up liability insurance? A look at how an OCIP or CCIP combines coverage for every contractor on one Canadian construction project.
October 7, 2026
6 min read
Auto
Why Did My Car Insurance Go Up at Renewal?
Why did my car insurance go up at renewal with no claims on file? A plain-language look at the market and rating factors that raise premiums across Canada.
October 7, 2026
6 min read
Auto
How Long Does an At-Fault Accident Affect Car Insurance?
How long does an at-fault accident affect car insurance in Canada? A look at how long insurers weigh it, and how long a premium increase typically lasts.
October 6, 2026
7 min read
Business
Professional Liability Insurance for Engineers & Architects
Professional liability insurance for engineers and architects in Canada is designed to help cover claims tied to design errors, omissions, and advice.
October 6, 2026
7 min read
Home
What Is Personal Umbrella Insurance in Canada?
What is personal umbrella insurance in Canada? A look at how it adds liability protection above home and auto limits, and what it typically excludes.
October 6, 2026
6 min read
Auto
What Are Third-Party Liability Limits on Car Insurance?
What are third-party liability limits on car insurance in Canada? A look at minimum requirements, how limits are structured, and what is often recommended.
October 5, 2026
6 min read
Business
What Insurance Does a Bookkeeper or Accountant Need?
What insurance does a bookkeeper or accountant need in Canada? A look at professional liability, cyber, and general liability coverage for the practice.
October 5, 2026
7 min read
Wildfire & Weather
What Is Mass Evacuation Coverage in Home Insurance?
What is mass evacuation coverage in home insurance? A look at how this part of a policy may help with living costs during a government-ordered evacuation.
October 5, 2026
5 min read
Auto
Car Insurance After a Licence Suspension in Canada
Car insurance after a licence suspension in Canada often costs more, and the reason behind the suspension shapes how insurers price the next renewal.
October 4, 2026
6 min read
Industry
How Does an Insurance Broker Compare Quotes?
How does an insurance broker compare quotes? A look at how brokers gather pricing from multiple carriers and what they weigh besides the premium.
October 4, 2026
6 min read
Home
Title Insurance vs. Home Insurance in Canada
Title insurance vs home insurance: one protects legal ownership of a property, the other protects the physical home. Here is how the two differ in Canada.
October 4, 2026
6 min read
Auto
Does Foreign Driving Experience Count for Car Insurance?
Does foreign driving experience count for car insurance in Canada? A look at letters of experience and how insurers may weigh history earned abroad.
October 3, 2026
6 min read
Home
Does Home Insurance Cover Renting Out a Room?
Does home insurance cover renting out a room in Canada? A look at roomer and boarder limits, and when shared accommodation becomes a rooming house.
October 3, 2026
6 min read
Business
What Is Stock and Inventory Coverage for a Business?
What is stock and inventory coverage for a business? A look at how commercial property insurance in Canada treats stock, raw materials, and finished goods.
October 3, 2026
7 min read
Home
Does Home Insurance Cover a Hot Tub?
Does home insurance cover a hot tub? A look at endorsements, liability limits, freeze damage, and what a standard home policy typically leaves out.
October 2, 2026
6 min read
Auto
How Does Car Insurance Work With Two Owners?
How does car insurance work when two people own the same car? A look at named insureds, primary drivers, and how joint ownership can affect a policy.
October 2, 2026
5 min read
Business
What Insurance Does a Hair Salon or Barbershop Need?
What insurance does a hair salon or barbershop need in Canada? A look at general liability, professional liability, equipment, and employee coverage.
October 2, 2026
6 min read
Auto
Does Car Insurance Go Down When You Turn 25?
Does car insurance go down when you turn 25 in Canada? A look at how age factors into pricing at renewal, and what matters more than a birthday.
October 1, 2026
5 min read
Home
Does Home Insurance Cover a Slip and Fall on Your Property?
Does home insurance cover a slip and fall on your property? A look at personal liability coverage, snowy walkways, and when a homeowner may be responsible.
October 1, 2026
7 min read
Business
What Is a Loss Run Report?
What is a loss run report? A look at what this claims history document includes, why commercial insurers ask for one, and how far back it typically goes.
October 1, 2026
6 min read
Auto
Does Car Insurance Cover Hitting a Deer in Canada?
Does car insurance cover hitting a deer in Canada? How comprehensive coverage, deductibles, and claims typically apply to deer, moose, and elk collisions.
September 30, 2026
6 min read
Home
Does Home Insurance Cover Stolen Packages?
Does home insurance cover stolen packages in Canada? A look at off-premises theft limits, deductibles, and protecting holiday deliveries from porch pirates.
September 30, 2026
5 min read
Business
What Is Occupiers' Liability Insurance for a Business?
What is occupiers' liability insurance for a business? A look at who counts as an occupier, and how snow and ice season raises the stakes in Canada.
September 30, 2026
6 min read
Home
Does Home Insurance Cover Power Outages?
Does home insurance cover power outages in Canada? A look at food spoilage, burst pipes, and living expenses when an ice storm cuts power for days.
September 29, 2026
6 min read
Auto
Does Insurance Cover a Car Stolen While Warming Up?
Does insurance cover a car stolen while warming up? How comprehensive car insurance in Canada typically treats warm-up theft, remote starters, and claims.
September 29, 2026
6 min read
Business
What Insurance Does a Pop-Up or Market Vendor Need?
What insurance does a pop-up or market vendor need in Canada? A look at vendor liability coverage, product coverage, and what organizers often require.
September 29, 2026
6 min read
Business
Does Commercial Property Insurance Cover Roof Collapse?
Does commercial property insurance cover roof collapse? A look at how snow load collapse claims are typically assessed and what commonly falls outside coverage.
September 28, 2026
6 min read
Home
How Do Holiday Fire Hazards Affect Home Insurance?
How do holiday fire hazards affect home insurance in Canada? A look at Christmas lights, trees, and space heaters, and how insurers view the added risk.
September 28, 2026
6 min read
Auto
What Is Care-First Auto Insurance in Alberta?
Care-first auto insurance is Alberta's new auto insurance system starting January 1, 2027. Here is what changes for claims, benefits, and premiums.
September 28, 2026
6 min read
Home
What Happens If You Miss a Home Insurance Payment?
What happens if you miss a home insurance payment in Canada? A look at grace periods, cancellation notice, and what a lapse can mean for a mortgage.
September 27, 2026
5 min read
Auto
What Happens to Car Insurance When a Driver Moves Out
What happens to car insurance when a driver moves out of the household? A plain-language look at updating your policy, removing a driver, and staying covered.
September 27, 2026
7 min read
Industry
Why Do Hard-to-Place Risks Need an Insurance Broker?
Why do hard-to-place risks need an insurance broker? A look at what makes a risk hard to insure, and how brokers reach markets standard insurers pass on.
September 27, 2026
6 min read
Auto
Do Driver Training Courses Lower Car Insurance Costs?
Do driver training courses lower car insurance costs for new drivers? A plain-language look at how approved courses can factor into a new driver's rate.
September 26, 2026
5 min read
Home
How Does a Previous Claim Affect Home Insurance at Renewal?
How does a previous claim affect home insurance at renewal? A look at surcharges, claims history review, and non-renewal notice rules in Canada.
September 26, 2026
6 min read
Business
What Is Key Person Insurance for a Small Business?
What is key person insurance for a small business? A look at how this continuity tool is designed to cushion the loss of an owner or essential employee.
September 26, 2026
5 min read
Home
How Does a Smart Water Leak Detector Affect Home Insurance?
How does a smart water leak detector affect home insurance? A look at how these devices work, and how Canadian insurers may recognize and discount them.
September 25, 2026
6 min read
Business
What Does a Commercial General Liability Policy Exclude?
What does a commercial general liability policy typically exclude? A look at the standard carve-outs for professional services, pollution, autos, and more.
September 25, 2026
7 min read
Home
Does Fire Hall or Hydrant Distance Affect Home Insurance?
How does distance to a fire hall or hydrant affect home insurance in Canada? A look at Dwelling Protection Grades, response distance, and rural rates.
September 24, 2026
6 min read
Auto
How Does Car Insurance Treat a Farm or Agricultural Vehicle?
How does car insurance treat a vehicle used for farm or agricultural purposes in Canada? A look at personal policies, farm plates, and when coverage changes.
September 24, 2026
6 min read
Business
What Is a Co-Insurance Clause on Commercial Property?
What is a co-insurance clause on a commercial property policy? A look at how the formula can reduce a claim payment for an underinsured business.
September 24, 2026
6 min read
Home
Scheduled Personal Property vs. Blanket Contents Coverage
Scheduled personal property versus blanket contents coverage on home insurance: how each protects valuables, and how the two options differ.
September 23, 2026
6 min read
Business
Special Event Liability Insurance for a One-Day Event
What is special event liability insurance for a one-day event? A look at how short-term coverage protects hosts, venues, and vendors across Canada.
September 23, 2026
6 min read
Home
Does Home Insurance Cover Frozen Pipes and Water Damage?
Does home insurance cover frozen pipes and winter water damage? A look at what's typically covered, what conditions apply, and how claims are assessed.
September 22, 2026
6 min read
Business
Loss Payee vs. Mortgagee on a Commercial Policy
What is the difference between a loss payee and a mortgagee on a commercial policy? A look at how each is treated after a covered property loss in Canada.
September 22, 2026
6 min read
Auto
What Is Uninsured Automobile Coverage on a Car Policy?
What is uninsured automobile coverage on a car insurance policy? How it works after a hit-and-run, and how Alberta and Ontario add-ons differ.
September 22, 2026
6 min read
Auto
Car Insurance for a Company Car You Also Drive Personally
How does car insurance work for a company car you also drive personally? A look at how commercial auto policies typically treat mixed business and personal use.
September 21, 2026
6 min read
Business
What Is Fleet Insurance and When Does a Business Qualify?
What is fleet insurance and when does a business qualify for it? A look at how many vehicles it takes, and how a fleet policy differs from separate ones.
September 21, 2026
6 min read
Home
What Is Loss Assessment Coverage for a Condo Owner?
What is loss assessment coverage for a condo owner in Canada? See how it works, what triggers it, and why the default limit may not be enough.
September 21, 2026
6 min read
Auto
Does Car Insurance Cover Peer-to-Peer Car Sharing Like Turo?
Does car insurance cover peer-to-peer car sharing like Turo? A look at how personal auto policies typically treat car sharing as a host or a guest.
September 20, 2026
6 min read
Home
Does Home Insurance Cover Identity Theft and Cyber Fraud?
Does home insurance cover identity theft and cyber fraud? A look at the personal cyber endorsement many Canadian insurers now offer, and what it typically includes.
September 20, 2026
6 min read
Industry
Does Using an Insurance Broker Cost More Than Buying Direct?
Does using an insurance broker cost more than buying direct? A look at how broker compensation works and what actually moves the price you are quoted.
September 20, 2026
6 min read
Auto
Do Insurers Use Credit Scores for Car Insurance in Canada?
Do insurers use credit scores for car insurance in Canada? A look at where credit-based pricing is allowed, where it is banned, and how a soft check works.
September 19, 2026
6 min read
Home
How Do Poly-B or Galvanized Plumbing Affect Home Insurance?
How do Poly-B or galvanized plumbing affect home insurance in Canada? A look at why insurers ask about pipe material, and what it can change on a quote.
September 19, 2026
6 min read
Business
How Commercial Property Insurance Treats a Vacant Building
How does commercial property insurance treat a vacant building? Learn how vacancy clauses, timelines, and vacancy permits work for Canadian businesses.
September 19, 2026
6 min read
Auto
Does Car Insurance Cover a Trailer You Tow?
Does car insurance cover a trailer you tow in Canada? A plain-language look at what extends from your auto policy and what a separate trailer policy covers.
September 18, 2026
5 min read
Everyday Living
Does Home Insurance Cover a Student's Dorm Belongings?
Does home insurance cover a student's belongings in a dorm or off-campus rental? A look at when a parent's policy extends, and tenant insurance is needed.
September 18, 2026
6 min read
Business
Claims-Made vs. Occurrence Policy: What's the Difference?
What is the difference between a claims-made and an occurrence policy? How each is generally triggered, and why the retroactive date matters.
September 18, 2026
6 min read
Auto
How Does Car Insurance Work When You Drive to the US?
How does car insurance work when you drive to the US from Canada? A look at liability limits, proof of insurance, and cross-border trip basics.
September 17, 2026
5 min read
Home
What Is a Home Inventory and How It Helps Home Insurance
What is a home inventory and how does it help with home insurance? A look at what to record, how to build one, and where it fits into a claim.
September 17, 2026
6 min read
Business
What Is Personal and Advertising Injury Coverage in a CGL?
Personal and advertising injury coverage under a CGL policy addresses claims like libel, slander, and misuse of another business's advertising idea.
September 17, 2026
7 min read
Auto
Do Photo Radar and Red Light Tickets Affect Car Insurance?
Do photo radar and red light camera tickets affect car insurance in Canada? A look at how automated enforcement differs from an officer-issued ticket.
September 16, 2026
6 min read
Home
How a Private Well and Septic System Affect Home Insurance
How do a private well and septic system affect home insurance in Canada? A look at underwriting questions, upkeep records, and optional coverage.
September 16, 2026
7 min read
Business
Insurance for Landscaping and Snow Removal Contractors
What insurance does a landscaping or snow removal contractor need in Canada? A look at the liability, auto, and equipment coverage most operations carry.
September 16, 2026
6 min read
Auto
Car Insurance for a Rebuilt or Salvage Title Vehicle
How does car insurance work for a rebuilt or salvage title vehicle in Canada? Here is how branding, inspections, and pricing typically play out.
September 15, 2026
6 min read
Home
Mortgage Default Insurance vs. Home Insurance
Mortgage default insurance protects the lender if a mortgage goes unpaid, while home insurance protects the property. Here is how the two differ in Canada.
September 15, 2026
6 min read
Business
What Is Spoilage Coverage for a Restaurant or Grocery Store?
What is spoilage coverage for a restaurant or grocery business? How it typically applies after a power outage or refrigeration breakdown ruins perishable stock.
September 15, 2026
6 min read
Home
How Are Home Insurance Premiums Calculated in Canada?
How are home insurance premiums calculated in Canada? A look at the home, location, and claims factors insurers weigh when they set a price.
September 14, 2026
5 min read
Auto
How Does Car Insurance Change for Senior Drivers in Canada?
How does car insurance change for senior drivers in Canada? A plain-language look at how age, driving record, and renewal reviews affect a quote.
September 14, 2026
6 min read
Business
What Is Contingent Business Interruption Coverage?
What is contingent business interruption coverage? How supply chain coverage is designed to protect a business when a key supplier or customer is shut down.
September 14, 2026
6 min read
Home
Home Insurance for a Multigenerational Household
How does home insurance work for a multigenerational household? A look at occupancy, related versus unrelated occupants, and what to tell your insurer.
September 13, 2026
5 min read
Industry
Independent Broker vs. Captive Agent vs. Direct Writer
Independent broker vs. captive agent vs. direct writer: how the three main ways Canadians buy insurance differ in who represents you and your options.
September 13, 2026
6 min read
Auto
What Is an AutoPlus Report and Why Do Insurers Ask for One?
What is an AutoPlus report? A plain-language look at the Canadian auto insurance claims history file insurers check before pricing a policy.
September 13, 2026
5 min read
Business
Deductible vs. Self-Insured Retention: The Difference
What is the difference between a deductible and a self-insured retention on commercial insurance? How each affects who pays first, and who runs the claim.
September 12, 2026
6 min read
Auto
How Windshield and Glass Coverage Works on Car Insurance
How does windshield and glass coverage work on car insurance in Canada? A plain-language look at deductibles, chip repairs, and glass endorsements.
September 12, 2026
6 min read
Home
What Is Bylaw or Building Code Upgrade Coverage?
What is bylaw or building code upgrade coverage in home insurance? A look at what it typically pays for, its limits, and why older homes need it most.
September 12, 2026
6 min read
Home
How a Finished Basement Affects Home Insurance Coverage
How does a finished basement affect home insurance coverage and limits in Canada? A look at dwelling limits, water risk, and what to tell an insurer.
September 11, 2026
6 min read
Business
Per Occurrence vs. Aggregate Limits on a CGL Policy
What do per occurrence and aggregate limits mean on a CGL policy? A look at how these two limits work together, and what can use up an aggregate limit.
September 11, 2026
6 min read
Auto
What Happens When You Cancel Car Insurance Mid-Term?
What happens when you cancel car insurance mid-term in Canada? A look at short rate refunds, notice periods, and steps to avoid a coverage gap.
September 11, 2026
6 min read
Auto
How to Insure a Newly Purchased Car Before Driving It Home
Learn how to insure a newly purchased car before driving it home, from using an existing policy's grace period to what a dealership needs to see.
September 10, 2026
5 min read
Home
How Does Roof Age Affect Home Insurance in Canada?
How does roof age affect home insurance in Canada? A look at how insurers weigh roof age, condition, and material when quoting or renewing a policy.
September 10, 2026
6 min read
Business
What Is Hired and Non-Owned Auto Coverage for a Business?
What is hired and non-owned auto coverage for a business? A look at how it helps protect a business when employees drive rented or personal vehicles for work.
September 10, 2026
6 min read
Auto
How Annual Mileage and Commute Distance Affect Car Insurance
How do annual mileage and commute distance affect car insurance premiums in Canada? A plain-language look at how insurers rate the kilometres you drive.
September 9, 2026
6 min read
Home
What Is Guaranteed Replacement Cost on Home Insurance?
Guaranteed replacement cost is a home insurance option that raises or removes the building limit at claim time. Here is how it typically works in Canada.
September 9, 2026
5 min read
Business
When Does a Business Need Commercial Auto Insurance?
What is commercial auto insurance and when does a business need it? A look at how it differs from a personal auto policy and who typically needs one.
September 9, 2026
6 min read
Auto
What Is an Excluded Driver Endorsement on Car Insurance?
What is an excluded driver endorsement on a car insurance policy? A plain-language look at how it works, what it changes, and what happens if it's ignored.
September 8, 2026
6 min read
Business
What Is Commercial Property Insurance and What It Includes
What is commercial property insurance? A look at what a commercial property policy typically includes, how claims are valued, and where it fits for a business.
September 8, 2026
6 min read
Home
When Does Home Insurance Need to Start When You Buy a House?
When does home insurance need to start when you buy a house? A look at how the coverage start date lines up with closing day, possession, and lender rules.
September 8, 2026
6 min read
Business
What Insurance Does a Daycare or Childcare Business Need?
What insurance does a daycare or childcare business need in Canada? A look at the coverages licensed child care operators typically carry and why.
September 7, 2026
6 min read
Home
What Is an Endorsement or Rider on a Home Insurance Policy?
What is an endorsement on a home insurance policy? A plain-language look at what an endorsement or rider does, common types, and how to add one.
September 7, 2026
6 min read
Auto
What Is the CLEAR Vehicle Rating System in Car Insurance?
The CLEAR vehicle rating system groups cars by claims history and theft risk, and it is one factor behind what you pay for car insurance across Canada.
September 7, 2026
6 min read
Auto
How Car Insurance Works When You Move to Another Province
How does car insurance work when you move to another province in Canada? What changes, how long you have to update it, and what to check first.
September 6, 2026
6 min read
Home
What Is Landlord Insurance for a Rental Property?
What is landlord insurance for a rental property in Canada? A plain-language look at what it typically covers, and how it differs from a home policy.
September 6, 2026
6 min read
Everyday Living
What Questions Should You Ask an Insurance Broker?
What questions should you ask an insurance broker? A checklist covering licensing, markets, coverage, cost, and claims support before you buy a policy.
September 6, 2026
5 min read
Business
How Does a Commercial Insurance Premium Audit Work?
How does a commercial insurance premium audit work? A look at what a business premium audit reviews, which records to prepare, and why estimates get reconciled.
September 5, 2026
5 min read
Auto
What Happens If Your Car Insurance Lapses in Canada?
What happens if your car insurance lapses in Canada? A plain-language look at how a coverage gap affects your rate and what to do before one opens up.
September 5, 2026
5 min read
Home
What Is Additional Living Expenses Coverage?
What is additional living expenses coverage in home insurance? A look at loss of use, evacuation orders, and what this coverage is typically designed to pay.
September 5, 2026
6 min read
Auto
Collision vs. Comprehensive Car Insurance: The Difference
What is the difference between collision and comprehensive car insurance in Canada? A plain-language look at what each coverage is typically designed for.
September 4, 2026
7 min read
Home
Condo Insurance vs. Home Insurance: What's the Difference?
Condo insurance and home insurance protect different things. See how condo insurance differs, what each typically covers, and why it matters.
September 4, 2026
7 min read
Business
What Is an Errors and Omissions Retroactive Date?
What is a retroactive date on an errors and omissions policy? A plain-language look at how this claims-made feature sets the cutoff for past work.
September 4, 2026
6 min read
Home
How Does Home Insurance Work for a Heritage or Century Home?
How does home insurance work for a heritage or century home in Canada? A look at rebuild costs, underwriting requirements, and what typically changes.
September 3, 2026
6 min read
Auto
What Is Non-Owner Car Insurance in Canada?
What is non-owner car insurance in Canada? A plain-language look at who typically needs it, how the coverage works, and what it generally leaves out.
September 3, 2026
5 min read
Business
What Is Tenant Improvements and Betterments Coverage?
What is tenant improvements and betterments coverage in a commercial lease? A plain-language look at what it typically covers for Canadian tenants.
September 3, 2026
7 min read
Home
What Is a Claims-Free Discount on Home Insurance?
What is a claims-free discount on home insurance and how is it earned? A look at how insurers track a claims history and reward it at each renewal.
September 2, 2026
5 min read
Auto
What Is New Vehicle Replacement Coverage on Car Insurance?
What is new vehicle replacement coverage on a car insurance policy? A look at how this endorsement differs from gap insurance and who typically qualifies.
September 2, 2026
6 min read
Business
Liquor Liability Insurance for a Restaurant or Event
What is liquor liability insurance? A look at how this coverage is designed to protect restaurants, bars, and one-time event hosts that serve alcohol.
September 2, 2026
6 min read
Auto
Do Dashcams Affect Car Insurance in Canada?
Do dashcams affect car insurance in Canada? A look at premium discounts, how footage gets used after a collision, and the rules for mounting one.
September 1, 2026
5 min read
Home
How Does a Home Insurance Inspection Work in Canada?
How does a home insurance inspection work? A look at when insurers request one, what an inspector reviews, and what happens with the results.
September 1, 2026
5 min read
Business
What Is Garagekeepers Coverage for an Auto Repair Shop?
What is garagekeepers coverage for an auto repair shop? A look at how this policy is designed to protect customer vehicles left in your care.
September 1, 2026
6 min read
Auto
Penalties for Driving Without Insurance in Canada
Driving without insurance in Canada carries steep fines, a licence suspension, and vehicle impoundment, with the exact penalties set by each province.
August 31, 2026
6 min read
Home
What Is a Home Insurance Binder and When Lenders Need One
What is a home insurance binder? A look at the temporary proof of coverage Canadian mortgage lenders require before closing, and what it typically includes.
August 31, 2026
6 min read
Business
What Is Cargo Insurance for a Trucking or Courier Business?
What is cargo insurance for a trucking or courier business in Canada? A look at what motor truck cargo coverage typically includes, limits, and gaps.
August 31, 2026
6 min read
Wildfire & Weather
How Do Ice Dams and Snow Load Affect Home Insurance?
How do ice dams and snow load affect home insurance in Canada? A look at how winter ice buildup and heavy snow accumulation can affect a home policy.
August 30, 2026
6 min read
Everyday Living
How Does an Insurance Broker Help During a Claim?
How does an insurance broker help during a claim? A look at the information-only support a broker provides from the first report through to settlement.
August 30, 2026
6 min read
Auto
How Does Towing and Roadside Assistance Coverage Work?
Towing and roadside assistance coverage on a car policy in Canada can help pay for tows, boosts, and lockouts. Here is how the add-on typically works.
August 30, 2026
6 min read
Home
How Home Insurance Treats Detached Garages and Sheds
How are detached structures like garages and sheds covered on a home policy in Canada? A look at the default limit, what counts, and what's excluded.
August 29, 2026
6 min read
Auto
How Do Multi-Vehicle and Bundled Policy Discounts Work?
How do multi-vehicle and bundled policy discounts work in car insurance? A look at insuring several cars or combining home and auto with one insurer.
August 29, 2026
6 min read
Business
What Is a Surety Bond and When Does a Contractor Need One?
What is a surety bond and when does a contractor need one? A look at bid, performance, and payment bonds, and how bonding differs from business insurance.
August 29, 2026
6 min read
Home
Home Insurance for a Mobile or Manufactured Home
How does home insurance work for a mobile or manufactured home in Canada? A look at why standard home policies differ and what insurers typically ask for.
August 28, 2026
6 min read
Auto
How Storage or Layup Coverage Works for a Parked Vehicle
How does storage or seasonal layup coverage work for a parked vehicle in Canada? A plain-language look at comprehensive-only options and suspension forms.
August 28, 2026
6 min read
Business
What Is a Builder's Risk or Course of Construction Policy?
What is a builder's risk or course of construction policy? Learn what it covers, who typically buys it, and how it fits Canadian construction projects.
August 28, 2026
6 min read
Home
Does Aluminum or Knob-and-Tube Wiring Affect Home Insurance?
Does aluminum or knob-and-tube wiring affect home insurance in Canada? A look at why insurers flag older wiring and what an inspection can change.
August 27, 2026
6 min read
Auto
What Does a Driver's Abstract Show and Why Insurers Ask?
What does a driver's abstract show? A plain-language look at what appears on your driving record and why car insurance companies request one.
August 27, 2026
6 min read
Business
What Is Contractors Equipment and Tools Coverage?
What is contractors equipment and tools coverage? A look at how this policy protects tools and machinery away from a fixed job site, and what it excludes.
August 27, 2026
6 min read
Home
How Do Dogs and Other Pets Affect Home Insurance Liability?
How do dogs and other pets affect home insurance liability in Canada? A look at breed factors, disclosure, and what personal liability may help cover.
August 26, 2026
6 min read
Auto
How Telematics Affects Car Insurance Discounts in Ontario
How does telematics affect car insurance discounts in Ontario? How usage-based apps and plug-in devices can lower, or under new rules raise, a premium.
August 26, 2026
6 min read
Business
What Is Employment Practices Liability Insurance (EPLI)?
What is employment practices liability insurance for a small employer in Canada? A look at what EPLI typically covers and why small businesses carry it.
August 26, 2026
7 min read
Auto
Do Anti-Theft Devices and Trackers Lower Car Insurance?
Do anti-theft devices and trackers lower car insurance costs? How alarms, immobilizers, and GPS recovery systems can factor into an auto insurance discount.
August 25, 2026
7 min read
Home
Do Pools and Trampolines Affect Home Insurance?
How do pools, trampolines, and backyard features affect home insurance in Canada? A look at attractive nuisance liability, disclosure, and insurer rules.
August 25, 2026
6 min read
Business
What Is a Waiver of Subrogation in a Commercial Contract?
What is a waiver of subrogation? Learn why landlords, general contractors, and Canadian commercial contracts often require this insurance clause.
August 25, 2026
6 min read
Business
What Is Crime Insurance and Social Engineering Coverage?
What is crime insurance and social engineering fraud coverage in Canada? A look at what a commercial crime policy typically includes and where it stops.
August 24, 2026
6 min read
Home
What Is Personal Liability Coverage on Home Insurance?
What is personal liability coverage on a home insurance policy? A look at what it typically includes, standard limits, and what it generally leaves out.
August 24, 2026
5 min read
Auto
Who Needs to Be Listed as a Driver on Car Insurance?
Who needs to be listed as a driver on a car insurance policy in Canada? A plain-language look at household drivers, occasional use, and disclosure.
August 24, 2026
7 min read
Auto
How Does Car Insurance Work for a Student Away at School?
How does car insurance work for a student away at school in Canada? A plain-language look at the away-at-school discount, disclosure, and staying insured.
August 23, 2026
6 min read
Home
What Does a Home Insurance Policy Typically Exclude?
What does a home insurance policy typically exclude? A look at the water, maintenance, vacancy, and business-use gaps most standard policies leave out.
August 23, 2026
7 min read
Everyday Living
What Does an Insurance Broker Do at Renewal Time?
What does an insurance broker do at renewal time? A look at the coverage review, market comparison, and paperwork brokers handle before a policy renews.
August 23, 2026
6 min read
Auto
Do Vehicle Modifications Affect Your Car Insurance?
Do vehicle modifications and aftermarket parts affect car insurance? A look at what needs to be disclosed to your insurer and why it matters.
August 22, 2026
6 min read
Business
How Commercial Insurance Works for Oilfield Services
How does commercial insurance work for oilfield services companies in Alberta? Coverage lines, limits, and certificate requirements these firms typically face.
August 22, 2026
6 min read
Home
What Is Sewer Backup Coverage in Home Insurance?
What is sewer backup coverage in home insurance? A look at what it is typically designed to cover, what causes a backup, and how it differs from overland water.
August 22, 2026
7 min read
Business
Insurance Ontario Contractors Need for Municipal Work
What insurance do Ontario contractors need for municipal work? A look at the CGL limits, WSIB clearance, and bonding that municipal tenders typically require.
August 21, 2026
6 min read
Auto
What Insurance Does a Motorcycle or Scooter Need in Canada?
What insurance does a motorcycle or scooter need in Canada? A look at mandatory coverage, how mopeds and scooters are classified, and optional add-ons.
August 21, 2026
6 min read
Home
What Is Service Line Coverage in Home Insurance?
What is service line coverage in home insurance? A plain-language look at the underground pipes and wiring it covers, what it typically excludes, and cost.
August 21, 2026
7 min read
Auto
Does Your Car Insurance Cover a Rental Car in Canada?
Does your car insurance cover a rental car in Canada? A plain-language look at the SEF 27 and OPCF 27 endorsement, counter waivers, and credit card coverage.
August 20, 2026
6 min read
Wildfire & Weather
What Is Overland Water Coverage in Ontario Home Insurance?
What is overland water coverage in Ontario home insurance? How the flood endorsement works, how it differs from sewer backup, and how insurers assess flood risk.
August 20, 2026
6 min read
Business
What Is Pollution Liability Insurance for Contractors?
What is pollution liability insurance for contractors in Canada? How this coverage fills the gaps standard general liability policies typically exclude.
August 20, 2026
6 min read
Home
Do Solar Panels Affect Home Insurance in Canada?
Solar panels can change how home insurance works in Canada, affecting dwelling limits and endorsements. Here is what typically changes and why it matters.
August 19, 2026
7 min read
Business
What Insurance Does a Food Truck Need?
What insurance does a food truck need in Canada? A look at commercial auto, general liability, product liability, and property coverage for mobile vendors.
August 19, 2026
6 min read
Auto
What Is a Car Insurance Deductible and How Does It Work?
What is a car insurance deductible and how does it work? A look at collision and comprehensive deductibles and how the amount affects your premium.
August 19, 2026
7 min read
Business
Do Online Businesses and Amazon Sellers Need Insurance?
Do online businesses and Amazon sellers need insurance in Canada? A look at Amazon's coverage requirement, product liability, and cyber risk for online sellers.
August 18, 2026
6 min read
Auto
How Does Car Insurance Work for Electric Vehicles in Canada?
How does car insurance work for electric vehicles in Canada? A plain-language look at why EV premiums often run higher and what typically shapes the cost.
August 18, 2026
6 min read
Home
What Is Strata Insurance for a BC Condo Owner?
What is strata insurance in BC? Learn what the strata corporation's master policy typically covers and where a condo owner's own coverage picks up.
August 18, 2026
6 min read
Auto
What Is Loss of Use Coverage After an Accident?
What is loss of use coverage after an accident? A plain-language look at how this optional add-on is designed to help pay for a rental car during repairs.
August 17, 2026
7 min read
Business
What Is Umbrella or Excess Liability Insurance for Business?
What is umbrella or excess liability insurance for a business in Canada? How these coverages extend liability protection past primary policy limits.
August 17, 2026
6 min read
Wildfire & Weather
How Does Earthquake Coverage Work in BC Home Insurance?
How does earthquake coverage work in BC home insurance? A look at the percentage-based deductible, what it typically covers, and how insurers price the risk.
August 16, 2026
7 min read
Everyday Living
How to Switch Insurance Brokers in Canada
How to switch insurance brokers in Canada without a coverage gap, from choosing a new broker to signing a broker of record letter and updating your policy file.
August 16, 2026
5 min read
Auto
What Are Ontario's Accident Benefits in Car Insurance?
What are Ontario's accident benefits in car insurance? A plain-language look at what SABS is designed to cover, its limits, and the July 2026 changes.
August 16, 2026
6 min read
Wildfire & Weather
Do Hail-Resistant Roofs Lower Home Insurance in Alberta?
Do hail-resistant roofing materials lower home insurance premiums in Alberta? A look at Class 4 shingle ratings, insurer discounts, and what to verify.
August 15, 2026
6 min read
Auto
How Traffic Tickets and Demerit Points Affect Car Insurance
How do traffic tickets and demerit points affect car insurance in Canada? A look at what insurers actually price, and how convictions differ by type.
August 15, 2026
6 min read
Business
Directors and Officers Insurance for Small Companies
What is directors and officers insurance for small companies in Canada? A plain-language look at what D&O coverage typically includes and who carries it.
August 15, 2026
6 min read
Auto
How Does Digital Proof of Insurance Work in Canada?
How does digital proof of insurance work in Canada? A look at how digital pink slips became legal, how to use one, and when to carry a paper backup.
August 14, 2026
6 min read
Business
Gross Earnings vs. Profits Forms of Business Interruption
What is the difference between the gross earnings and profits forms of business interruption insurance? How each one calculates a covered loss.
August 14, 2026
7 min read
Wildfire & Weather
What Is FireSmart and Can It Lower Home Insurance Costs?
What is FireSmart and can it lower home insurance costs in Alberta? A look at the wildfire program's assessments, zones, and insurer discounts.
August 14, 2026
6 min read
Business
What Is Equipment Breakdown Insurance in Canada?
What is equipment breakdown insurance in Canada? A plain-language look at what it covers, how it differs from property insurance, and who carries it.
August 13, 2026
6 min read
Auto
What Happens to Your Car Insurance When You Lend Your Car?
What happens to your car insurance when you lend your car to someone? A plain-language look at permissive use, named drivers, and excluded drivers in Canada.
August 13, 2026
6 min read
Wildfire & Weather
How a Wildfire Risk Score Affects Home Insurance in Alberta
How does a wildfire risk score affect home insurance in Alberta? A look at how insurers use these scores to price, renew, and underwrite policies.
August 13, 2026
6 min read
Auto
How Do G1 and G2 Licensing Affect Car Insurance in Ontario?
How does G1 and G2 licensing affect car insurance in Ontario? A look at when a new driver needs a policy of their own, and how the rate reduction rule works.
August 12, 2026
6 min read
Home
What Home Insurance Discounts Do Alarms and Monitoring Earn?
What home insurance discounts do alarms and monitoring earn in Canada? A look at monitored alarm systems, smart devices, and how insurers verify them.
August 12, 2026
6 min read
Business
What Is Product Liability Insurance and Who Needs It?
What is product liability insurance and who needs it? A plain-language look at how it works, what it typically covers, and who carries it in Canada.
August 12, 2026
6 min read
Auto
What Is Classic and Collector Car Insurance in Canada?
What is classic car insurance in Canada? A plain-language look at agreed value coverage, mileage limits, and who typically qualifies for a policy.
August 11, 2026
6 min read
Home
How Do Wood Stoves and Oil Tanks Affect Home Insurance?
How do wood stoves and oil tanks affect home insurance in Canada? A look at WETT inspections, oil tank age limits, and what insurers typically ask for.
August 11, 2026
6 min read
Business
Why Do Landlords Require Tenant's Legal Liability Coverage?
Why do landlords require tenant's legal liability coverage? A plain-language look at this common lease condition, what it typically covers, and excludes.
August 11, 2026
6 min read
Auto
What Is a Facility Association Policy for High-Risk Drivers?
What is a Facility Association policy for high-risk drivers in Canada? A plain-language look at who qualifies, how it works, and what it costs.
August 10, 2026
6 min read
Home
What Is Short-Term Rental Insurance for Airbnb Hosts?
What is short-term rental insurance for Airbnb hosts? A plain-language look at what a standard home policy typically misses and what to tell an insurer.
August 10, 2026
5 min read
Business
What Does an Additional Insured Endorsement Mean?
What does an additional insured endorsement mean? A plain-language look at how it extends coverage to another party and when contracts require one.
August 10, 2026
6 min read
Home
Home Insurance for a Secondary Suite or Basement Rental
Does home insurance cover a secondary suite or basement rental in Canada? What typically changes for coverage, premiums, and disclosure to your insurer.
August 9, 2026
6 min read
Auto
What Is the OAP 1 Standard Ontario Auto Policy?
What is the OAP 1 standard Ontario auto policy? A plain-language look at its mandatory sections and how the 2026 accident benefit changes affect it.
August 9, 2026
6 min read
Everyday Living
What Should You Bring to an Insurance Quote in Canada?
What should you bring to an insurance quote in Canada? A checklist of the personal, property, and history details that speed up an accurate quote.
August 9, 2026
6 min read
Home
What Happens to Home Insurance During a Renovation?
What happens to home insurance during a renovation? How standard coverage treats work in progress, when a material change applies, and what to tell a broker.
August 8, 2026
7 min read
Auto
How Do At-Fault Rules Work in Ontario Car Insurance?
How do at-fault rules work in Ontario car insurance? A plain-language look at the Fault Determination Rules and how fault percentages get assigned.
August 8, 2026
6 min read
Business
What Is a Business Owner's Policy or Small Business Package?
What is a business owner's policy or small business package? A plain-language look at what these bundled policies typically combine and who they fit.
August 8, 2026
6 min read
Business
Do Sole Proprietors Need Business Insurance in Canada?
Do sole proprietors need business insurance in Canada? A plain-language look at unlimited liability, common coverage options, and when contracts require it.
August 7, 2026
6 min read
Home
Do Jewellery, Art, or Collectibles Need Extra Coverage?
Do you need extra coverage for jewellery, art, or collectibles? How standard home insurance limits valuables and how scheduled coverage works.
August 7, 2026
6 min read
Auto
What Is Gap Insurance When Leasing or Financing a Car?
What is gap insurance when leasing or financing a car? A plain-language look at how it bridges the gap between a payout and a loan or lease balance.
August 7, 2026
6 min read
Auto
How Does Car Insurance Work for New Drivers in Canada?
How does car insurance work for new drivers in Canada? A plain-language look at why rates start high, how licensing stages fit in, and how they typically ease.
August 6, 2026
7 min read
Business
CGL vs. Professional Liability Insurance: The Difference
What is the difference between CGL and professional liability insurance? A look at what each typically covers, and why some businesses carry both.
August 6, 2026
7 min read
Home
Rebuild Cost vs. Market Value in Home Insurance
Rebuild cost vs market value in home insurance: what each figure measures, how insurers calculate a building limit, and why the two rarely match.
August 6, 2026
7 min read
Business
Is Business Insurance Tax Deductible in Canada?
Is business insurance tax deductible in Canada? A plain-language look at which premiums the CRA allows as a business expense, and which do not qualify.
August 5, 2026
6 min read
Auto
What Is Ride-Sharing Insurance for Uber and Lyft Drivers?
Ride-sharing insurance for Uber and Lyft drivers fills the gap between a personal auto policy and a platform's own coverage. Here is how it works.
August 5, 2026
6 min read
Home
What Is Vacant Home Insurance in Canada?
What is vacant home insurance in Canada? A look at how coverage narrows once a home sits empty and what a vacancy endorsement typically covers.
August 5, 2026
6 min read
Business
Do I Need Business Insurance If I Work From Home?
Do I need business insurance if I work from home? A look at what home insurance typically excludes and what a home-based business policy can cover instead.
August 4, 2026
5 min read
Auto
Does Personal Car Insurance Cover Business Use?
Does personal car insurance cover business use and deliveries in Canada? A look at business use classes, delivery driving, and what to ask a broker.
August 4, 2026
5 min read
Home
What Is an Inflation Guard or Building Limit Endorsement?
What is an inflation guard endorsement? A plain-language look at how it adjusts a home's building limit for rising construction costs in Canada.
August 4, 2026
6 min read
Home
Does Home Insurance Change If You Run a Business From Home?
Does home insurance change if you run a business from home? What a standard policy typically covers, what it usually excludes, and why insurers ask to be told.
August 3, 2026
6 min read
Business
What Insurance Do I Need to Start a Business in Canada?
What insurance do I need to start a business in Canada? A practical look at the core coverages new owners typically arrange before opening their doors.
August 3, 2026
6 min read
Auto
Do Winter Tires Lower Your Car Insurance Premium in Canada?
Do winter tires lower your car insurance premium in Canada? A plain-language look at how the discount works, which provinces require it, and how to qualify.
August 3, 2026
6 min read
Home
Comprehensive vs. Named Perils Home Insurance
Comprehensive vs named perils home insurance: how coverage scope, cost, and the burden of proof differ, and where each typically fits a Canadian home policy.
August 2, 2026
6 min read
Industry
How Does an Insurance Broker Get Paid in Canada?
How does an insurance broker get paid in Canada? A plain-language look at commissions, fees, and why using a broker rarely costs more out of pocket.
August 2, 2026
6 min read
Auto
What Is Accident Forgiveness and How Does It Work?
What is accident forgiveness and how does it work? A plain-language look at how this optional endorsement protects a premium after a first at-fault claim.
August 2, 2026
6 min read
Auto
How Are Car Insurance Premiums Calculated in Canada?
How are car insurance premiums calculated in Canada? A plain-language look at the driving, vehicle, and coverage factors insurers weigh, and how they interact.
August 1, 2026
7 min read
Business
Is Business Insurance Mandatory in Canada?
Is business insurance mandatory in Canada? A plain-language look at what the law requires, what contracts require in practice, and where the two differ.
August 1, 2026
6 min read
Home
What Is a Home Insurance Deductible and How Does It Work?
What is a home insurance deductible? A plain-language look at how deductibles work, the types you'll see on a Canadian policy, and how to choose one.
August 1, 2026
6 min read
Business
What Is Business Interruption Insurance in Alberta?
What is business interruption insurance in Alberta? A plain-language look at what it typically covers, the period of restoration, and lost income.
July 31, 2026
5 min read
Everyday Living
What Is RV Insurance in Alberta?
What is RV insurance in Alberta? A plain-language look at motorhomes versus towable trailers, what coverage typically includes, and full-time RV use.
July 30, 2026
6 min read
Technology
What Is Cyber Insurance for a Small Business in Alberta?
What is cyber insurance for a small business in Alberta? A plain-language look at what it typically covers, what it costs, and how it differs from CGL.
July 29, 2026
5 min read
Industry
What Is Insurance Underwriting?
What is insurance underwriting? A plain-language look at how insurers assess risk and what factors typically shape home and auto premiums in Alberta.
July 28, 2026
5 min read
Wildfire & Weather
What Is Additional Living Expenses Coverage in Alberta?
What is additional living expenses coverage in Alberta home insurance? A plain-language look at what it typically involves during a wildfire evacuation.
July 27, 2026
6 min read
Auto
What Is SEF 44 Family Protection Coverage in Alberta?
What is SEF 44 family protection coverage in Alberta? A plain-language look at this optional auto endorsement, how it typically works, and where drivers see it.
July 26, 2026
5 min read
Home
What Is Sewer Backup Coverage in Alberta?
What is sewer backup coverage in Alberta? A plain-language look at what it typically involves, backwater valves, and how it differs from overland flood.
July 25, 2026
6 min read
Business
What Is Commercial General Liability Insurance in Alberta?
What is commercial general liability insurance in Alberta? A plain-language look at what CGL is generally designed to address, typical costs, and limits.
July 24, 2026
6 min read
Everyday Living
What Is Travel Health Insurance for Albertans?
What is travel health insurance? A plain-language look at how AHCIP coverage changes outside Alberta, what a typical policy includes, and stability clauses.
July 23, 2026
6 min read
Technology
What Is Usage-Based Car Insurance in Alberta?
What is usage-based car insurance in Alberta? A plain-language look at how telematics tracks driving, what it typically measures, and how discounts work.
July 22, 2026
6 min read
Industry
What Is a Broker of Record Letter in Alberta?
What is a broker of record letter in Alberta? A plain-language look at how it works, what it changes, and how businesses switch insurance brokers.
July 21, 2026
5 min read
Wildfire & Weather
What Is a Hail Deductible in Alberta Home Insurance?
What is a hail deductible in Alberta home insurance? A plain-language look at how it differs from a standard deductible, typical amounts, and how it applies.
July 20, 2026
6 min read
Auto
What Is DCPD in Alberta Car Insurance?
What is DCPD in Alberta car insurance? A plain-language look at direct compensation for property damage, how fault affects it, and what it typically involves.
July 19, 2026
5 min read
Home
Replacement Cost vs. Actual Cash Value: The Difference
Replacement cost vs actual cash value in home insurance: how each is calculated, why the choice matters, and how rebuilding costs factor in.
July 18, 2026
6 min read
Business
What Is a Certificate of Insurance in Alberta?
What is a certificate of insurance in Alberta? A plain-language look at what it shows, how it differs from the policy, and when businesses are asked for one.
July 17, 2026
6 min read
Everyday Living
What Is ATV and Snowmobile Insurance in Alberta?
What is ATV and snowmobile insurance in Alberta? A plain-language look at when it's required and how it differs from car and home insurance.
July 16, 2026
6 min read
Technology
What Is Identity Theft Insurance in Alberta?
What is identity theft insurance in Alberta? A plain-language look at what it typically covers, what it leaves out, and how it's added to a home policy.
July 15, 2026
6 min read
Industry
Insurance Broker vs. Agent in Alberta: The Difference
Insurance broker vs. agent: what's the difference in Alberta? A plain-language look at who each one represents, how they're paid, and how they're licensed.
July 14, 2026
5 min read
Wildfire & Weather
What Is Overland Flood Insurance in Alberta?
What is overland flood insurance in Alberta? A plain-language look at how it differs from sewer backup coverage, what it typically involves, and who offers it.
July 13, 2026
5 min read
Auto
What Does Comprehensive Car Insurance Cover in Alberta?
What does comprehensive car insurance cover in Alberta? A look at hail, theft, glass, and animal collisions, and how it differs from collision coverage.
July 12, 2026
5 min read
Technology
How Insurers Use Aerial Imagery to Assess Your Home
How do insurers use aerial imagery to assess your home? What aerial and satellite images can show about a roof and property, and how they factor into renewals.
July 11, 2026
5 min read
Everyday Living
Do You Need Tenant Insurance If Your Landlord Has Insurance?
Do you need tenant insurance if your landlord has insurance? What renters insurance covers in Alberta, typical costs, and whether it's legally required.
July 11, 2026
6 min read
Industry
Why Home Insurance Premiums Are Rising in Alberta
Why are home insurance premiums rising in Alberta? How record hail and wildfire losses, rebuilding costs, and property-level pricing shape home premiums.
July 10, 2026
5 min read
Home
Insuring a Cabin or Vacation Home in Alberta
How does insuring a cabin or vacation home in Alberta work? What a seasonal dwelling policy is, how it differs from a home policy, and the conditions it sets.
July 8, 2026
5 min read
Wildfire & Weather
Wildfire Season in Alberta: How to Prepare Your Home
How do you prepare a home for wildfire season in Alberta? The legislated season, ember risk, evacuation plans, a home inventory, and policy questions to review.
July 7, 2026
5 min read
Business
Small Business Insurance Gaps Alberta Owners Often Miss
What are small business insurance gaps? How gaps open between an Alberta business and its policy over time, where they commonly appear, and how a review helps.
July 5, 2026
5 min read