Plain-English guides on auto, home, commercial and MGA insurance for Ontario residents and business owners — written by a working RIBO broker.
Bundling home and auto with one insurer in Ontario typically earns a 5–20% multi-line discount. Here's how the savings work, the extra perks, and when splitting policies actually beats a bundle.
Read article →Standard Ontario home insurance leaves out overland flooding, sewer backup, earthquake, wear and tear, and more. Here is what is excluded and which gaps you can add back.
Read article →In Ontario, replacement cost and actual cash value settle claims very differently: one pays new, the other pays depreciated value. Learn which basis your policy uses.
Read article →A plain-English guide for Ontario first-time home buyers: why your lender requires insurance before closing, what a standard policy covers, how much coverage you need, and how to have it ready on time.
Read article →Home premiums keep climbing, but you have more control than you think. Here are the practical, honest ways to lower your home insurance in Ontario without cutting the coverage that protects you.
Read article →There's no flat rate for home insurance in Ontario. See what actually sets your premium, whether it's mandatory, how house, condo and tenant policies differ, and ways to pay less.
Read article →Collector cars hold value differently than daily drivers, so they need a specialty policy. Here's how classic car insurance works in Ontario: agreed value, the coverages you still need, and the usage rules.
Read article →Electric vehicles often cost more to insure in Ontario due to higher repair and battery costs, but the same auto rules apply. Here's what coverage an EV needs and how to lower your premium.
Read article →A plain-English guide to how multi-vehicle and bundle (home and auto) insurance discounts work in Ontario, how much they can save, who qualifies, and how a broker finds the cheapest mix.
Read article →Usage-based insurance tracks how and how much you drive through an app or device. In Ontario it can only earn you a discount, never a surcharge. See who benefits most.
Read article →Your personal car insurance in Ontario excludes driving for money. Learn how rideshare and delivery coverage works for Uber, Lyft, and Uber Eats, why you must disclose it, and what it costs.
Read article →Collision and comprehensive are both optional in Ontario. Collision pays after an impact or rollover; comprehensive handles theft, fire, hail, vandalism, and animal strikes. Here's how to choose.
Read article →In Ontario, DCPD repairs your vehicle when another driver is at fault, and you claim through your own insurer. Here's what it covers, how it compares to collision, and whether you can opt out.
Read article →After an at-fault accident in Ontario, your premium usually rises at renewal and the accident stays on your record for about six years. Here's how fault works and whether shopping helps.
Read article →Ontario requires every licensed driver in your household on the policy. Here's how to add a teen or young driver, why it raises your premium, and the real ways to manage the cost.
Read article →New Ontario drivers pay more because rates are built around experience. How G1 and G2 insurance works, whether to join a family policy, how driver training helps, and how to lower your rate.
Read article →You don't have to accept your renewal price. Here are ten legitimate ways Ontario drivers cut their car insurance, from bundling and deductibles to discounts most people never ask about.
Read article →Ontario has some of Canada's highest car insurance premiums, but the price swings a lot by driver. Here is what actually shapes your rate and the legitimate ways to bring it down.
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On July 1, 2026, Ontario changed which accident benefits come standard on an auto policy. Medical, rehabilitation, and attendant care benefits remain mandatory on every policy. A long list of other benefits — including income…
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A mixed-use plaza is insured with a commercial property and liability program built around each occupancy in the building — retail units, any restaurants, and residential apartments above. The core coverages are commercial…
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Yes. You can absolutely get car insurance after a DUI in Ontario — you'll be classed as high-risk and placed with an insurer that specializes in non-standard drivers rather than the standard market. This usually lasts about…
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A cottage is insured with a seasonal or secondary-dwelling policy, not your regular home policy, because it's a property you own but don't live in full-time. Coverage typically includes the building, contents, and personal…
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An Ontario rental property needs a rented-dwelling (landlord) policy, not a homeowner policy, because you own the building but don't live in it. The three essentials are the building itself, loss of rents if a covered loss…
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A dental or medical office is insured with a commercial package built around the practice, not a generic small-business policy. The core pieces are commercial property for your tenant improvements and equipment, commercial…
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Yes. Older and heritage homes are fully insurable in Ontario, but they usually need a specialty insurer rather than a standard one. The features that make a home "older" — knob-and-tube or aluminum wiring, an aging roof,…
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Loss of rents coverage replaces the rental income you lose when a covered loss — like a fire, burst pipe, or major water damage — makes your rental property unrentable while it's being repaired. It's part of a landlord…
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A vacant property is insured with a specialty vacancy policy, because standard home and commercial policies restrict or exclude coverage once a building is unoccupied for a set period (often 30 days). Vacancy raises the risk…
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Commercial general liability covers third-party claims for bodily injury and property damage arising from your business operations, premises, or products — for example, a customer who slips on your floor, or damage your work…
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Most people labelled high-risk in Ontario are not bad drivers — they had a lapse, a missed payment, or no Canadian history. Here is what causes it, how long each event lasts, and the realistic route back to standard rates.
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Business interruption (BI) insurance replaces the income your business loses and covers continuing expenses — rent, payroll, loan payments — when a covered loss like a fire, flood, or major equipment failure forces you to…
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Yes. The condo corporation's master policy covers the building's structure and common areas, but not what's inside your unit or your personal liability.
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Usually not. Most standard home and cottage policies treat short-term rental as a business use and either exclude it or void coverage if a claim traces back to a paying guest.
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You need commercial auto insurance when a vehicle is used for business rather than just personal driving.
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Ontario contractors and trades typically need commercial general liability (CGL) as the foundation, tools and equipment coverage, and commercial auto for work vehicles.
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Some of it. A standard Ontario home policy usually covers sudden, accidental water damage from inside, but sewer backup and overland flooding are typically optional add-ons.
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