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3 years ago · by · 2 comments

Tactics To Getting Lower Car Insurance

Is it possible to buy cheap car insurance coverage without getting less coverage than the regular-priced ones? Every car owner is in search for that car insurance program. Who wouldn’t when it seems everything these days are getting expensive. Since buying lower insurance coverage is not worth it at all, there are other ways you can get car insurance for much less without giving up a comprehensive coverage?

You must have heard a couple of family and friends complain about how expensive their car insurance policies are. The secret to buying lower car insurance is for you to start thinking like an insurance agent. What would you tell a prospect client? Here is a list of things that could help you get those costs down:

•    Pick a car that is both functional and eco-friendly.

Driving the latest model available in the market is tempting. It spells confidence at its best form. However, driving the latest model might make heads turn, but it could also increase car insurance rates. So if you want to save on insurance costs, it might be better to choose a more practical less flashy car.

•    Own your vehicle.

Did you know that if you are driving a car you leased, you are made to pay more for its insurance? This is simply because you don’t own the car and you are not in charge of the coverage that you want for it. The person or company who owns it dictates what coverage you should get before you have the car rented. So if you buy your car, you will be able to decide what coverage it should have and maybe pay a little less on its monthly premium.

•    Think twice before buying comprehensive insurance.

There are two basic types of car insurance coverage – liability insurance and comprehensive insurance. Liability insurance covers the damages that are incurred in your vehicle, other people’s property and people’s injuries. The other one covers everything else. If you are driving an old model, a comprehensive insurance may not be a good fit. Not only will it means paying the insurance company more, but it means buying insurance that’s more expensive than your car.

There are more than a handful of ways you can get the insurance rates lower. These tactics prove to help you purchase insurance you can afford.

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3 years ago · by · 0 comments

Discounted Insurance: Is It Worth Buying?

Buying car insurance is one of the things that car owners must do primarily because the law requires it. Without car insurance, the owners won’t be able to use their vehicles for personal or business travels. The government of Canada required every vehicle to be insured not only to protect its owners but to also provide protection to those that may be injured or damaged when an accident occurs.

When shopping for car insurance, most vehicle owners would be looking at two things – value for their money and discounted rates. With all the insurance programs available today, it is not impossible for car owners to find the one that suits their needs and their budget. However, the significant number of policies available can also make it nearly impossible to choose just one. It may even seem like one program is better than the other.

Since the budget takes a significant role in the decision-making process, most car owners choose insurance programs that are easy on the pocket. They also haggle for discounted insurance rates. Who wouldn’t? Despite the reassurance that they get, many people worry that buying discounted insurance rates may come with risks. If so, are they worth buying?

Buying insurance for your car or home come with risks. Buying them at discounted rates may add a little more to the risk, but it doesn’t mean that the programs of these car insurance companies are not good. The reason that they provide you with discounts should mean something. When they offer the insurance program for much less, the first thing to look into is the coverage that it offers. Is it much less than the ones sold at regular rates?

If not, then the insurance company offers it to you for another reason. You might be buying more than one insurance coverage from that company, that’s why they are offering it to you for much less. Most insurance companies offer discounted insurance programs for clients who buy more than one policy for them. This is how they show their appreciation for being entrusted with the coverage of their customers.

Is it worth buying discounted insurance? In truth, its value depends on what you are looking for. If you aim at savings on an insurance policy without getting less of the coverage, then discounted rates are of great value. However, if it means the opposite and all you want is to save on monthly insurance premiums, then you should think twice.

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3 years ago · by · 2 comments

Growing Companies: What Insurance Coverage Do They Need?

Every business owner has a list of insurance coverage that he needs to purchase. These include workers’ compensation insurance, property insurance as well as general liability insurance. All these programs cover the most basic of operational requirements. It provides protection for the investment that business owners made as well as manage the risks that it might encounter in its operation. However, business does not stop growing even after encountering several perils that may have put it in hot water.

It is for this reason that business owners must also consider acquiring insurance policies for growing companies. Every person who has decided to put up their own business aims at growing their business. So before thinking that you’ve got enough coverage for what you have, here are the other essential business insurance policy that growing businesses need:

•    Vehicle Insurance

Car insurance can be configured to cover delivery vans, trucks or even regular cars that the company leases, owns or simply uses. Even when the owner or the employee uses his personal vehicle, it should still be signed up for business vehicle insurance because when an accident occurs, most companies will only cover the insured but not the vehicle, especially when the accident took place while the person was doing business. When lawyers find out that the individual involved was driving the vehicle during company time, he can readily make a claim and require your business and make it liable.

•    Employee Liability Insurance

This is a relatively new coverage, but it is one of those that you need when you run your business. Sadly, treating your employees with utmost decency is not enough to keep you from getting sued. An unhappy and an unsatisfied employee with a good lawyer, to begin with, can think of many different ways to find fault at how you treat the people who work for you. The more growth your business experiences, the more at risk you are for employee complaints.

•    Business Interruption Insurance

Most business insurance policies cover the need that arises when you need to rebuild your business from scratch due to damages that may be brought by natural catastrophes. However, as a business owner, you must also consider coverage not just for the damages, but also for the time when the rebuilding will be done. Since there will be an interruption in business operations, it also means more losses from your end. With companies interruption insurance, you can ask the insurance company to cover all expenses that you may have while the reconstruction is going on and until the business regains its full strength.

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3 years ago · by · 0 comments

Business Insurance: A Real Life Saver

Have you ever been told that your business investment might not work out? When you first started your business, there are three types of people you meet. The first type is those that congratulated you for taking the risk. They are the ones who told you that you did a good job by taking the first step to making your dreams a reality. These are the people who feel happy about the new venture you got yourself into. They show you their support by making your business a part of the many things they prefer in life.

The second group is the ones that are a bit on the downside. They talk you out of doing the business that you are in. They tell you all about the risks that come with the operations of your business. These are the people who tell you that you have just put your time, effort and money to waste because they believe that you have made the wrong investment. Whether it is the product or the service that they see wrong, altogether, they think that the business you started is not right.

And then there is the third group of people. These are that help you realize the risks that may come with your business. However, the only difference is that they talk you into securing you investment by calculating the risks that it may likely encounter. They tell you about various models of business insurance you can look into. These are the people who say about the real value of getting insurance for your business. Although they remain confident that your investment will work out for the better and hopefully also grow, they still advise you not to take the risk without the right insurance coverage.

The challenges that come with every business venture will always be there. In fact, business owners should worry when everything seems to go smoothly as planned. Luckily, for every risk that the business may encounter, there is an insurance policy that can cover it. All you need is to find the right one that suits the nature of your business. At the end of the day, when you have business insurance, you don’t have to worry about taking the risk. Instead, you look forward to the lessons learned as well as the money earned.

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4 years ago · by · 2 comments

Homeowner’s Insurance: What Mistakes Are Costing You?

With the storms, tornadoes and earthquakes are slowly sweeping the country, a lot of homeowners find themselves sad to know that the home insurance they think they have does not cover the damages that some these natural disasters could cost. Most of them expected that any damage to their property does not matter what may have caused it. These are those homeowners who may have neglected to read and learn more about the specifics of the insurance policy they had bought before they made the purchase.

Sadly, the little mistake that they did not read their policy could mean huge costs that they have not anticipated. One could only imagine being in a position where they need to have their house fixes, but they don’t have enough funds to get the work started.

As you read through the details of the home insurance policy, here are a few mistakes that you should avoid to keep from paying more than you could afford.

•    First, underinsuring your house is by far the biggest mistake you could make as a homeowner. Insurance advisors always say that when buying insurance for your home, you should always consider the money you need to rebuild it instead of focusing on its value today. Remember that you are buying insurance for the sole purpose of having enough money when disaster strikes and you need to have the roof repaired of a wall rebuilt.

•    Second, assuming that the homeowner’s insurance covers practically everything including the damages that may be caused by natural disasters like the flood is wrong. Take the time to review your insurance premium before you close the deal. Asking the insurance advisor of the specifics will ensure that you’ve got everything covered. Never assume anything. Make sure that they are actually covered.

•    Lastly, presuming that you will be paying a flat rate for the home insurance all your life is wrong too. Again, it is best to ask the insurance advisor as to the monthly cost of the policy, including the increases you should inspect in the coming months. After all, the value of your property does not stay as is when you first bought it. The cost may go up or go down, and you have to ensure that you have enough to cover the disparity.

So before things could get worst for you, the best advice to follow is to be a proactive homeowner. You may not be able to stop Mother Nature and all the disasters that she may rain you with, but you can always come prepared with the right homeowner’s insurance policy.

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4 years ago · by · 0 comments

From Buying To Owning: Everything About Home Insurance

How can you be smart in choosing the right home insurance? Everyone wants to save on insurance costs in any way they can. Who wouldn’t want a few hundred dollars off their insurance premium when they can? Not only does it spell savings on your part, but it also means a little extra money to invest in something else. From looking at home insurance quotes to the actual buying of an insurance policy, how do you know that you’ve found the right one at the right price? Here are some home insurance facts you must know.

•    Do you owe any financial institution some money? Have you recently used your credit card to make a purchase? If your answer to both questions is a YES, then you should be confident that your credit score is what you want it to be. If you get a good deal with the insurance company you intend to buy home insurance from, you have got to have some debt. More so, such debt should be paid on time to ensure that your credit score reflects the fact that you are trustworthy.

•    Can the insurance company provide you with several different insurance programs? If they can, you should consider buying all your insurance needs from one company. Not only does it mean convenience on your part, but it also means huge savings on costs. Most insurance companies offer special discounted rates to those who get more than one insurance policy from them. If you can get your car and home insurance from the same company, then you should.

•    Lessen the risk of becoming a victim of burglary or fire by heightening the security of your home. The latest security systems available in the market may seem too expensive for comfort, but they could mean huge savings in the long run. When you have a good security system in place, not only is your house kept secured, but your insurance rates are lowered by a couple of hundred dollars. After all, security systems are an investment. Make sure to buy the right ones.

•    Should paperless billing and payments be an option? It should help you keep up with the payments without leaving the comforts of your home. The insurance company would appreciate automatic deductions to your bank account. Checks sent through email may also be a viable option.

Are you ready to buy home insurance?

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4 years ago · by · 0 comments

What If You Don’t Buy Insurance?

Have you ever wondered what it would be like if you didn’t buy insurance? Almost everyone you talk to would tell you that you need to insure your car, your home and even your business. All three of them are important in your life; thus, you need to make sure that insurance covers them. But when you begin to ask what it would be like if you didn’t purchase an insurance coverage and you got into a car accident, what is likely to happen? Some will say that you’ll never know until you find out for yourself.

However, insurance experts would often speak of insurance policies as a necessary investment. Although they are often dismissed as additional monthly costs, experts have become a witness to how challenging it is especially on the financial aspect to get into an accident and not have coverage at all. So if you are thinking about not buying an insurance policy anymore, here are some things that you should be prepared for, at the least.

First, you need to prepare yourself for the worst that could happen. Whether it is for your car or your home, you will have to be ready to lose everything. A simple road accident can cost you your entire savings going through a personal liability claim by the other party who got involved in an accident or the medical expenses that will entail to get you back on your feet. Anything can happen, and that’s the risk that insurance will protect you from. Without coverage, the likelihood of you losing everything you’ve worked so hard for becomes much higher.

Second, running your own business will always come with risks. You’ll never know when it’s going to click and when it’s going to fail. Although pre-planning everything could help, there will always be that part of running a business that puts your investment at risk. Without insurance, you can lose everything. The risk does not only come from the consumers you are selling your products or services to. It could also come from your employees, suppliers and even business partners.

Lastly, not having an insurance coverage can mean finding yourself with almost nothing. Some may say that you can always start again from scratch, but you know how difficult it is, especially without help. With insurance coverage for your car, home and even business, you can get the help that you need when you need it. A crisis in these aspects of your life is part of the deal, but it doesn’t mean you have to see yourself suffer. When you have the right policy, you don’t have to worry about anything.

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4 years ago · by · 0 comments

Is It Safe To Buy Cheap Insurance?

What is the first thing that you look into when purchasing an insurance policy? If you look into the monthly premium first, then there is no need to be embarrassed. You’re not the only one who’s concerned about the monthly cost that will be added to the already long list of expenses every month. Almost everyone is concerned about that.

In truth, even in this day and age, there are still a lot of people who would rather go for cheap insurance not because it has better coverage, but because it is just less expensive. However, it is only when the need arises that they realise that it was wrong of them to settle for cheap insurance premium over the better coverage. And usually, people end up getting more money from their pockets than they could afford.

Perhaps the issue is not just about choosing the cheapest or the one with the lowest monthly premium. Rather, it is about wanting to go for the more affordable coverage because the real value of an insurance policy is overlooked. In reality, an insurance policy is like buying one’s money in advance, even before the need for it arises. It is like buying protection for one’s self to ensure that one will have enough money to start again.

What do you look for when buying insurance coverage then? Shouldn’t you look into the cost? Although the expense of the monthly premium is necessary, it comes in secondary to the actual coverage the policy includes. When shopping for insurance, according to expert insurance advisors, always look into all the possible aspect of the need for the coverage. If you are buying car insurance, make sure that the coverage includes liability insurance as well as the repair or even replacement of the vehicle whichever is more suitable for the situation.

The insurance policy with the better coverage should always be the better option. There will be a remarkable difference in the cost, but it will all be worth it. Knowing that you have everything covered will give you more confidence and that you will worry less about not having enough to get by in case you get involved in an accident.

Is it safe to buy cheap insurance? It all depends on you. Your needs will tell you whether cheap insurance is a good investment or not. But if you ask the experts, the monthly premium cost should not matter now. What should be more important is the coverage and protection that you will be enveloped in knowing that you got the right insurance to fit your needs.

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4 years ago · by · 3 comments

Three Types Of Insurance Your Business Must Have

Is there one insurance policy that could cover everything that your business needs? Yes, there are options like that. Some insurance companies offer programs that include everything that your business could possible need coverage for. However, such policies can be quite expensive especially for those who are just putting up a start-up business.

The cost of buying insurance might make you think twice about ever buying insurance for your business. But it shouldn’t stop you. Instead of investing in just one insurance policy that costs an arm and a leg, you may opt to purchase several types of insurance coverage that will provide you with practically what you need.

If you’re not sure which one to get, here is a list of the three types of insurance policies your business must have:

Car Insurance – you have a vehicle that you use exclusively for your business. Whether it is to make purchases or deliveries, this vehicle is used on a daily basis to make your operational requirements more accessible. Accidents on the road happen when you least expect it, so if you don’t want to be caught off guard, it is best to purchase a car insurance for the business car. In case it runs into an accident while being used for business purposes, you’ll have enough money to cover for its repair and restoration.

Liability Insurance – whether you are running a business that offers services or products, you must be prepared for any professional liability claim. This is the kind of policy that provides defence against damages for any form of failure in providing the services or products that your clients and even your employees expect from the business. Liability insurance comes in many forms and buying only the general liability insurance may not give you the protection that you need. You may add a professional liability insurance to ensure that your professional practice and its interest is protected at all times.

Worker’s Compensation Insurance – this is the type of insurance that you will need to ensure that your employees are provided with help that they need in case they get injured while doing the job assigned to them. This is the type of insurance that will provide them with medical benefits and even wage replacement while they are recovering from the injury they got. In exchange, the employee gives up all his rights to sue the employer (that’s you!) for the incident that happened in the workplace.

There are still several individual insurance policies that you need to consider buying for your business. At the end of the day, what matters is that you can provide protection for your business investment and everything that comes with it that may be at risk.

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4 years ago · by · 0 comments

Roof Damage: Will My Home Insurance Cover It?

How do you know what your home insurance covers and what it does not? The easiest way is to call the insurance representative and ask them yourself. The specifics will only be provided to you by the company representative, including the circumstance when they consider a simple repair or a total replacement. The coverage of roof damages also depends on several factors. Most home insurance companies take the age of the roof, the area where you live as well as the weather condition in the area before they decide that they will pay for its repair or replacement; thus, it is important that you are aware of all these specifics.

Most homeowner’s insurance sold in Canada cover roof damages that may be caused by unpreventable reasons such as fire or even vandalism. Natural disasters also called Acts of God such as tornadoes or hurricanes are usually covered too. Damages that may be caused by the wind, rain or hail are usually covered, but insurance companies consider several factors before the effects of such natural elements are determined to be covered by the policy or not. If so, the company also decide how much they will reimburse because it is rarely the whole amount.

The circumstances and factors considered by most insurance companies in handling claims concerning roof damages may also apply to the claims concerning the exterior part of the property. The outer part of the property includes anything that is attached to the house that is outside the original structure of the property like the siding and the gutters.

Some policies cover roof damages only up to a certain age. Roofs that are under ten years old at the time when the claim was made are usually covered in full – whether it needs minor or major repairs or maybe even a replacement. If your roof is ten years or older, the insurance company may only cover the depreciated value of the roof depending on the assessment of the experts that they hire to check its condition. The depreciated value takes the wear and tear as well as the damages caused by the natural ageing of the roof materials.

And then there are those homeowner’s policies that only cover roof damages up to a certain extent, regardless of the age of your roof or the damage it has suffered. This is one of the many reasons why you should always discuss the details of the policy with the insurance provider before you decide to make a purchase. Knowledge of the specifics of the plan will allow you to be prepared for the worse.

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