Insurance
Home Insurance Winterization Checklist for Canadian Homeowners
Protect your home insurance coverage this winter with essential maintenance steps that prevent costly claims and keep your policy valid.
Natalie Chen
Author
Writes about auto, home, and travel insurance across Canadian provinces. Explains no-fault systems, replacement-cost riders, and the provincial differences that affect what coverage costs and what it pays out.
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- auto-insurance
- home-insurance
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Published articles
Insurance
Business Insurance in Canada: What Small Businesses and Self-Employed Need
Compare essential business insurance coverage options for small businesses and self-employed professionals in Canada, from general liability to cyber protection.
Insurance
How Bundling Home and Auto Insurance Saves Canadian Drivers Money
Bundling home and auto insurance can save Canadian drivers 10 to 25 percent on premiums, but separate policies sometimes offer better coverage or lower total cost.
Insurance
Group Benefits at Work in Canada: Life, Disability, and Health Coverage Explained
Understand what your employer's group benefits package covers and where gaps may exist in your life, disability, and health insurance protection.
Insurance
Travel Insurance for Canadians: What to Look For and What Provincial Health Covers in Canada
Provincial health plans offer limited coverage abroad. Learn what travel insurance should include and where your provincial plan falls short.
Insurance
Terminal Illness Benefits in Canadian Life Insurance: What's Included vs. What You Buy Separately
Most Canadian life insurance policies include a terminal illness benefit at no extra cost, but understanding how it compares to standalone critical illness coverage can help you make informed decisions about your protection.
Insurance
Joint First-to-Die vs. Separate Life Insurance Policies in Canada
Learn how joint first-to-die life insurance compares to separate policies for Canadian couples, including cost differences, coverage trade-offs, and when each option makes sense for your family.
Insurance
Non-Owner Car Insurance in Canada: Coverage When You Drive Another Person's Car
Non-owner car insurance provides liability coverage when you regularly drive vehicles you don't own, though most Canadians are already covered under the owner's policy.
Insurance
Scheduling High-Value Items on a Canadian Home Insurance Policy: Sub-Limits and Appraisals
Learn how scheduling protects valuables beyond standard policy sub-limits and why professional appraisals matter for home insurance claims in Canada.
Insurance
How Claims-Free Discounts Work in Canada and What Erases Them
A claims-free discount rewards drivers who avoid filing auto insurance claims. One at-fault accident can erase years of savings.
Insurance
Disability Insurance in Canada: Group Benefits Versus Individual Policies
Group disability insurance through your employer offers convenient coverage but may have gaps, while individual policies provide portable, customizable protection you control directly.
Insurance
Income Protection vs. Long-Term Care Insurance in Canada: Which Gap Does Each Fill
Income protection replaces lost earnings when illness or injury stops you from working. Long-term care insurance pays for custodial care when you need help with daily activities. Each fills a distinct financial gap.
Insurance
How to Estimate Travel Insurance Costs in Canada
Learn how trip length, age, destination, and coverage type determine your travel insurance premium, and use our calculator to estimate costs for snowbird stays or international trips.
Insurance
Travel Insurance in Canada: What It Covers and When Provincial Health Plans Fall Short
Provincial health plans offer limited or no coverage outside Canada. Learn what travel insurance covers, when OHIP and other provincial plans are not enough, and how to estimate the right coverage for your trip.
Insurance
Should You Add Flood or Sewer Backup Coverage to Your Home Insurance in Canada?
Standard home policies exclude flood and sewer backup. Here's what you need to know about adding this optional coverage in Canada.
Insurance
Group vs. Individual Extended Health and Dental Plans in Canada
Understand the key differences between group and individual supplementary health and dental coverage in Canada and how to choose the right plan for your situation.
Insurance
Disability Insurance in Canada: Group Benefits vs. Individual Policies
Understand the key differences between employer-sponsored group disability coverage and individual disability insurance policies in Canada, and learn which option best protects your income.
Insurance
What Nova Scotia Homeowners Need to Know About Wildfire Insurance Claims in Canada
Wildfire damage is typically covered under standard home insurance in Nova Scotia, but coverage limits, deductibles, and claim documentation requirements vary by policy and insurer.
Insurance
BMO Insurance Life Insurance Claims in Canada: What Beneficiaries Need to Know
A BMO Insurance life insurance claim usually starts with confirming the policy, contacting the insurer, and submitting proof of death plus beneficiary documents. This checklist explains what to prepare before relying on a payout.
Insurance
Income Replacement Insurance in Canada: How to Calculate the Monthly Benefit That Protects Your Salary
Income replacement insurance can help replace part of your paycheque if illness or injury keeps you from working. The right monthly benefit starts with your real after-tax spending, not just your gross salary.
Insurance
Should You Buy Flood Insurance Before Disaster Season in Canada
Canadian homeowners face increasing flood risk from spring melt, heavy rain, and coastal storms. Here's when to buy overland flood coverage and why timing matters.
Insurance
Weighing Flood Insurance in Canada: Key Factors for Homeowners
As severe weather risks increase across Canada, homeowners face important decisions about overland water and flood coverage.
Insurance
What Canadian Homeowners Should Know About Flood Insurance in Canada
Standard home insurance does not cover overland flooding in Canada. Learn what overland water coverage protects, how to get it, and what limits apply.
Insurance
What Does CTP Insurance Cover in Canada
CTP (third-party liability) coverage is the mandatory component of auto insurance in Canada that pays for damage and injuries you cause to others.
Insurance
Professional Liability Insurance for Canadian Small Businesses: What You Need to Know
Professional liability insurance protects Canadian small businesses and self-employed professionals from claims of negligence, errors, or omissions in their professional services.