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2 years ago · by · 0 comments

Home Buying: Are You Financially-Ready For It?

Are you financially prepared to buy a new home? It is everyone’s dream to own a house. For some, their drive to buy their own house is the years they have spent leaving besides a noisy neighbor in their apartment building. For others, they consider buying their own home as they think it is a sign of maturity and growth as an individual. Others have dreamed of buying their own house because they consider it a sign of progress. No matter what your reason may be for deciding to buy a house now, it is essential that you know that you can afford it.

A lot of people bought a house because they thought they were financially prepared for it. Although some financial advisors may have told them that they were, it turns out that they are not ready for it as much as they should be. If you are considering owning a home at this time, there’s a lot that you should think about. There’s the monthly mortgage, the bills, living expenses as well as home insurance.  Have you also considered the neighborhood you wish to live in? This, among other things, need to be considered.

What is your Credit Rating?

Impulsive buying of your dream home is never any good. Never undervalue the power of credit rating when it comes to buying your dream home. Sometimes, it proves to be everything when you’re applying for a mortgage. Your credit rating should be the firth thing to consider when you’re planning to buy a house. Have you spoken to a home insurance advisor yet? Make sure that you do, so that you’ll have a better understanding of how much you can be in debt of and how much you can afford to pay in a month.

How much Savings do you have?

When you buy a house, you don’t need to pay for it in cash spot on unless you have the cash. You are only required to pay the downpayment, and the rest of the payments will serve as the mortgage on your home. You will need to pay it monthly to the lender. It is possible to buy a house will little money as long as you have enough to pay the downpayment. Although more experts will advise against it, sometimes, it is the only way people can buy their own home without losing all the savings they have.

Home buying may be one of the most expensive investments you will ever make in your life. But it is something that offers you and your family financial security in the future. Buying a home is not like buying groceries or buying a new car. It needs to be well thought of before any decision is made final.

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2 years ago · by · 0 comments

Three Things To Consider For Your New Home

You have landed your dream job and just married your ideal partner in life. You are seriously considering buying a new home. It’s a wise investment mainly because you are starting a family and renting an apartment might mean losing more money in the long run. But buying a house is like leaping the expenses that you’re used to paying for every month. Before you jump into buying the first home you see and like, you need to slow down just a bit. There are a lot of things to consider.

The first one on the list is the monthly mortgage on your home. It may require a more significant outlay on your part considering you have to have your home under a good home insurance program too. Although most mortgage lenders only need the basic, there are some that might make you go for the more comprehensive insurance depending on the area where you live and the risks that surround it. First time home buyers must consult with an insurance advisor they can trust to have a better understanding of what they are getting themselves into and what they can expect out of their home insurance. Once this aspect of home buying has been settled, everything else will just fall into place.

Second, you must look into the status of the real estate industry before you settle for the home of your choice. The market is always shifting, and a better understanding of where it stands before you buy your home could help you make a wise decision. Although owning a house goes very well with the dream job and starting a family, you may need to put it off for a while when the real estate market isn’t in a very good state. Not only does it mean savings for you today, but it means a better home for you in the future.

Third, have you spoken to any realtors lately? If you haven’t yet, it is best to come prepared with the right amount of budget for your dream home. Buying a house involves a complicated process, which means it requires a lot of paperwork. Remember that it needs a downpayment. Also, you will need to prepare the home loan you will need to pay the mortgage every month. Be sure you are prequalified for a home loan in your chosen financial institution before you go out looking for a home. This will help keep you within the budget.

Are you excited to buy your dream home? Who wouldn’t be, right? But before you get all too excited and sign the first home contract you’re offered, make sure to consider those in this list. Not only will they save you from getting into financial trouble, but it will ensure that you pick a home that you can afford.

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2 years ago · by · 0 comments

When Is It Time To Buy Home Insurance?

What do you do when your neighbor calls you to say that a tree fell on your roof? When it seems as if nothing could make the day any worse, you get the call and you panic on what to do. Feelings of anxiety and frustration will overcome you when you realize that you missed out on the chance to buy home insurance. Some say that buying home insurance is a waste of money until you know that you need it now more than ever.

More than the damages to your property, you are worried that the accident might have caused injuries to other people and their properties as well. This fact can make you liable, which could mean more significant expenses for you. No matter how careful you are or how dutifully you take out the trash and turn off the lights when not in use, accidents always happen when you least expect them. This is why buying home insurance is necessary.

When is the best Time to Buy Insurance?

· Homeowner’s insurance might not be a requirement of the government, but most mortgage lenders require it. They will insist that you buy insurance because this protects their investment in your property. If you are putting your hours on the mortgage or are planning to, make sure to purchase a homeowner’s insurance. This will make your application approval faster.

· Did you know that homeowner’s insurance protects you from lawsuits as well? If you don’t want to be sued for any injury incurred by anyone while on your property, it is best to have insurance. The policy will cover it while some insurance offers a limited liability coverage with specifications on what will be considered. If you want a more comprehensive coverage, it is likely that you will have to pay extra.

· If you ‘re going to make sure that you have enough money to reconstruct or rebuild your home after being damaged by the storm or fire, then you have to purchase that homeowner’s insurance now. Remember that you need coverage that will cover the cost of rebuilding your home. If not, you are only underinsuring your property, and that’s not going to do you any good.

When today doesn’t seem to be an excellent time to buy home insurance, remember that anything can happen within the day. Your worst fears about losing your home and everything in it may occur in a snap. Don’t put yourself in a position where you will be left with nothing. Choose to buy home insurance today. Talk to an insurance advisor to get the best advice on the best options to consider.

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2 years ago · by · 0 comments

Three Things You Never Knew Could Affect Home Insurance

Whether you are buying home insurance coverage for the first time or are looking at purchasing another program from a different company, dealing with all the paperwork can be quite confusing. The clauses that are contained in each policy mentioned should be carefully thought of. Apart from confusion, knowing very little about the home insurance coverage you intend to could mean higher cost from your end too. Your monthly premium for your homeowner’s insurance could mean thousands of dollars cut off your family budget.

There are some ways you can reduce home insurance costs. If only you knew where to look or who to ask about it, you could have saved more over the years. But there are also several things that you do that you didn’t know could affect your home insurance policy. Here they are on a list:

First, choosing not take part in the home owner’s organization in your area could mean higher costs for your insurance. Although it may seem as if such membership merely is for community development and outreach, they come with more benefits than you think. Most of these Homeowners Organizations are affiliated with home insurance companies. That’s why your membership could entitle you to claim discounts for your monthly premium. If you don’t sign up for membership thinking you can save on membership costs, think again. You might be missing a lot of discounts you can avail of.

Second, did you know that being a smoker could mean higher insurance premium? Smoking inside the house or around its premises could lead to potential fires that’s why most insurance companies charge more when the homeowner is a smoker. However, if you are a non-smoker, it is best to ask the insurance provider if they can offer discounts for you. The leading insurance carriers provide a special insurance rate for those who don’t smoke. If you’re thinking about quitting, this may convince you, even more, to stop smoking.

Lastly, have you recently retired from a job? If you just did, then you should let your insurance provider know that you are. Being retired from work meant being at home most of the time, which also meant being able to attend to your home more often than you used to when you were working. This fact lowers the risk of unwanted accidents in the house that could cost the insurance company for coverage. Ask your insurance provider about the special discount they could give for retired personal like you.

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2 years ago · by · 0 comments

Home Insurance Hacks: How Do You Save On Costs?

Home insurance can be quite expensive and confusing all at the same time. However, what most homeowners fail to see is that there are several ways they can save on home insurance costs. If they know where to look and what to look for, they won’t have to worry about spending so much on the monthly home insurance premium.

Here are the top five ways  to help you save on home insurance costs and lower your monthly premium as well:

Tip 1: Compare Costs of Leading Insurance Companies in your Area

No one insurance company can provide the best insurance coverage for all the residents of Canada. This may sound surprising, but it is true. What homeowners fail to realize is that the home insurance policy that worked for a good friend may not precisely be the comprehensive homeowner’s insurance that will suit them. It is essential to choose an insurance policy that will cover everything that you want to be protected. The best way is to find an independent insurance advisor to get a clear view of what each insurance company offers and which offer can give you the protection you require.

Tip 2: Have an Alarm System Installed

The alarm system is not just for your protection or the protection of those you value. Instead, it is also something that can be used to help reduce insurance premiums. When you have a good alarm system installed, insurance companies will recognize that because it helps lessens the risk on their part as your coverage is an investment for them. A good fire and burglary alarm system entitle you to higher discount in monthly premiums.

Tip 3: Is your Home Weatherproofed?

Weather-proofing your home exterior, specifically, means ensuring that it is ready to receive the harsh effects of strong winds, excessive rain, and even drought. Doing so will help prevent small insurance claims that most insurance companies would appreciate. The small insurance claims that homeowners make is one of the reasons why their premium goes up upon renewal. You may start by trimming the trees as well as the large bushes because they often cause damages to your home.

Tip 4: Replace Damaged Roofing Materials

The roof protects the entire house, and if it is old, outdated and damaged, it may cause more harm to the property than protection. Before you make any insurance purchase, make sure to replace old worn out roofing materials with new ones. If you haven’t replaced your roofing for ten to fifteen years, no might be a good time to have it inspected for damages. Not only will this mean savings on the insurance premium, but it will mean savings in the long run as you won’t be dealing with damages to your home caused by a leaky roof.

Tip 5: Talk to an Insurance Advisor and Get Help

Insurance advisors are there to help you have a full understanding of the policy that you intend to buy. Their job is to make sure that you make a knowledgeable decision as to which home insurance policy you should buy. Ask them the questions that have been bothering you and get the answers that you need. With their help, you can buy the home insurance that you need at the price that you want.

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2 years ago · by · 0 comments

Home Insurance Facts before You Buy A House

Every millennial spends money on things they consider as important now. However, what most of them ought to learn about life is pretty simple – you need to make a sound investment in this lifetime. You have to think of where you put your money. Remember that it shouldn’t be just about having fun. One must also consider financial and social security in the future. So if you are thinking about spending your savings in buying a house, then you very well should.

Fact 1: Home Insurance has a different calculation than that of car insurance.

Most insurance companies offer both car and home insurance, but the computation of each one is entirely different. They look into different risks that’s why the cost of home insurance is a bit higher than car insurance. Homeowners insurance technically covers the actual structure of the house including all that is inside it. However, you must know that most regular home insurance policies do not include the insurance of the home business you just started. The monthly premium you pay for home insurance depends on the proximity of fire and police department as well as its vulnerability to natural disasters.

Fact 2: Rebuilding a home from scratch can be more expensive than when the house was first built.

When it comes to the computation of your home insurance, companies do not look at how much you paid for the building of your home. Rather, they look into the cost of possibly rebuilding your home. In the event of damage or loss, your homeowner’s insurance is what you will rely on. When you feel like the cost of the premium is too high, don’t hesitate to ask your insurance advisor. They would be glad to explain why the cost is such. They may include the discussion of the various factors that come into play in the computation of your monthly premium.

Fact 3: Buying a house isn’t like buying a new pair of pants.

Although both situations require you to think carefully about how you could make use of it or for what purpose, buying a house requires so much more, that’s why deciding to buy one should be thought of. When you talk to an insurance advisor, you will hear the terms closing costs, property taxes as well as home insurance. Some other things need to be considered when investing money in a house and one of the most important is the home insurance you purchase to protect it.

Put your hard-earned money to good use. Your investments should be those that will return the money tenfold. One of the best ways to secure your future is to invest it in a property. Make sure to buy insurance to protect the property at all costs.

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2 years ago · by · 0 comments

Work From Home: Do I Need Insurance?

How long have you been working from home? The number of people who choose to work from home is growing, and there’s no stopping them. Who wouldn’t want to work from home when it meant more time with the family, not to mention the time and effort saved because you don’t have to exert much effort to do your work from home. Whether you’re running your business from home or working full-time for a company as a remote employee, it is important that you understand that you may need to purchase add-on coverage to include the work from home that you do.

Sadly, many homeowners who do their work from home fail to realize that they put their home insurance at risk because of the work that they do. Some don’t even realize that their insurance coverage has been invalidated until reality hits them hard. To save yourself from all the trouble, it is best to consult with an insurance advisor to learn more about the add-ons that you should request from your insurance provider.

What type of insurance do you need if you do work from home?  The kind of coverage you need depends on several factors including the type of business or work that you do from home. Consider adjusting your current cover. Have you considered asking your insurance provider about the adjustments you wish to make to your policy? Include the possessions that you use for work purposes. A laptop computer, table, chair, laptop and all the other things that are used for “business” instead of domestic purposes should be covered by the adjustments you intend to make.

What does it mean when insurers say that something is for “business use”? They refer to all items inside the house that are used for business. This may include printers and other materials and equipment that you use exclusively for business.  If you are running a business that requires cooking, all the materials that you use for it are for “business” purposes and shall be considered in the add-on insurance that you wish to buy. However, the rules become a bit gray when you only work from home using a computer.

When in doubt, ask your insurance advisor. They will know whether you need to buy add-on insurance coverage or not. Remember, the additional coverage you are buying is not just for you but for the investment you put into your home and business from home.

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2 years ago · by · 0 comments

Comparing Home Insurance: How Do You Do It Right?

When you are looking for insurance policies to compare, it is fairly easy to overlook the important aspects of the policy that you shouldn’t miss out on. There are so many policies offered by various insurance companies, and it may seem as if they are offering the same thing, but they are not. Every home insurance policy is different, and there are some that may sound more appealing than the others. However, your choice shouldn’t only be based on what’s more attractive. Rather, your choice should be a product of careful consideration on all the important aspects.

So how do you compare insurance policies the right way?

· Decide on What Coverage you Want

You are buying home insurance to provide your home with the protection it needs. You should be able to determine how much it requires you to rebuild your home. Remember that you are buying insurance to cover yourself from the risks that you might encounter financially. To a degree, you must consider all the circumstances that could put your home’s safety at risk and bank on that.

· Stop and Compare Policies

Every insurance advisor knows the importance of comparing insurance policies. It is a must that you compare like-for-like policies. Otherwise, it would be useless to compare the quotes you got from insurance companies because they don’t stand in comparison to each other. Check the maximum claim limits for both the building and the content. Make sure they cover at least the ones you consider a need.

· Look into the Excess

Most policies offered by companies come with what they consider the standard coverage. However, some insurance programs come with an excess of what is standard. Carefully read the extra because it usually includes the list of most of the claims that are filed by homeowners. You might be happy to read about the excess that your preferred insurance company offers and it might convince you even more that you made the right choice.

Remember that failing to compare the home insurance policies could result in you to buying the wrong coverage at the wrong price. When you make a claim, you might end up disappointed because it is not the one you expect to get. The insurance policy you bought isn’t what you thought it was and that means a lot of trouble for you. Make sure to compare, that’s the best way to do it.

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