Straight answers about insurance
The questions our clients ask most, answered in plain language by a brokerage that has been doing this since 1968.
Auto insurance
Ontario’s July 2026 auto insurance changes: what is optional now, and how to decide
Since July 1, 2026, many Ontario accident benefits are optional. What is still mandatory, what changed, who is covered and how to decide what to keep.
Auto insurance
Thinking of dropping income replacement? Check your workplace plan first
Income replacement is now optional on Ontario auto policies. A checklist for comparing it with your workplace or private disability coverage before you decide.
4 minute read
Home insurance
Overland water vs sewer backup: what Cambridge homeowners should check
Water damage is one of the most common home insurance claims. The difference between overland water, sewer backup and other water coverage, and what to check on your policy.
5 minute read
Tenant insurance
Is tenant insurance mandatory in Ontario?
No Ontario law requires tenant insurance, but your landlord can require liability coverage in your lease. What tenant insurance covers and why it is worth having.
3 minute read
Home insurance
Insuring an older home in Cambridge: wiring, plumbing, roofs and oil tanks
Older homes in Galt, Preston and Hespeler can be harder to insure. What insurers ask about, which updates matter most and how a broker helps.
5 minute read