Frequently Asked Questions

You can lower your premiums by increasing your deductible, bundling policies, improving home security, and maintaining a good credit score. There are many discounts available! Give us a call to find out more.

Replacement cost covers the cost to replace items without depreciation, while actual cash value considers depreciation and pays out based on current market value.

While home insurance isn’t legally required, it’s often mandated by mortgage lenders.

Factors include your home’s location, age, construction type, updates, claim history, your credit score and the amount of coverage you choose.

Contact your insurer as soon as possible, document the damage, mitigate the loss and follow their specific claims process.

The minimum coverage includes liability, accident benefits, uninsured motorist coverage, and direct compensation-property damage.

Premiums are influenced by your driving history, age, type of vehicle, location, and the coverage options you select.

Yes, many insurers offer discounts for a clean driving record or for completing a driver safety course. We also offer insurance policies that have a monitoring component, which reward drivers for their good driving behaviour.

Ensure everyone is safe, call the police if necessary, exchange information with other drivers, and contact your insurance company to report the accident.

A deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in for a claim.

Yes, you can tailor your policy by adding coverage options like comprehensive, collision, and additional liability. There are many additional coverage options available to our clients! Lets find the best policy that suits your needs, saves you money and doesn’t compromise on coverages.

While it’s not legally required, having boat insurance is highly recommended to protect against potential damages and liabilities.

Coverage often includes liability protection, physical damage to the boat, theft, and additional coverage for personal belongings or towing costs.

Premiums are based on factors like the type and size of the boat, its age, your boating experience, and where you use the boat.

Most policies cover various types of boats, including powerboats, sailboats, jet skis, and personal watercraft, but specific coverage can vary.

Liability coverage protects you against claims for bodily injury or property damage to others, while comprehensive coverage protects your own boat against damages from non-collision incidents.

Yes, insurers often offer discounts for factors such as safety courses, bundling policies, or having a good claims history.

Contact your insurer immediately, provide documentation of the incident, and follow their claims process.