Water Damage: What’s Covered and What’s Not

If you have standard homeowner’s insurance, you may think that you are covered for all damage caused by water of any kind, but this is not the case. There are certain types of water damage – specifically, sewer backup and overland water – that a standard homeowners policy does not cover. The good news is … Continued

Earthquake Insurance: Is it Worth Considering?

Earthquakes are not a common occurrence in Ontario. With a fairly major fault line in Eastern Ontario, unfortunately, to insurance companies and homeowners, an earthquake is not outside of the realm of possibility. Standard home insurance does not cover damage directly resulting from earthquakes. The only way you would have coverage due to an earthquake … Continued