Insurance
How to Audit Your Insurance Coverage in Canada: A 30-Day Challenge
A practical checklist to review your auto, home, life, and health insurance policies and close coverage gaps before year-end.
Ryan McAllister
Author
Writes about Canadian life and disability insurance: group benefits, individual term plans, and critical-illness riders, with a focus on comparing costs across provinces.
- insurance
- life-insurance
- disability-insurance
- group-benefits
Published articles
Insurance
Allianz Travel Insurance Review: Is It Worth the Cost in Canada?
An in-depth review of Allianz Travel Insurance for Canadian travelers, examining coverage options, costs, and whether it delivers value for your trip protection needs.
Insurance
Winter Home Damage in Canada: What Your Policy Covers and What It Does Not
Understanding which types of winter damage are covered by your home insurance policy and which you'll pay for out of pocket can save you thousands in unexpected repair costs.
Insurance
Extreme Cold Weather and Home Insurance: What's Covered in Canada
Extreme cold can damage your home in ways you might not expect. Understanding what your home insurance policy covers during harsh Canadian winters helps you protect your property and avoid costly surprises.
Insurance
Is $35 Every 3 Months Normal for Life Insurance in Canada?
A $35 quarterly premium for life insurance is unusually low and may be a small term policy or group coverage, worth investigating to confirm the coverage amount and beneficiary.
Insurance
Is a $10,000 Deductible, $15,000 Out-of-Pocket Maximum Health Insurance Plan Worth It in Canada?
A high-deductible health plan with a $10,000 deductible and $15,000 out-of-pocket maximum can save you money on premiums but exposes you to significant upfront costs. Here's how to decide if it's the right choice for your situation.
Insurance
Does Travel Insurance Cover Flight Delays and Cancellations in Canada?
Most Canadian travel insurance policies cover flight delays and cancellations, but coverage depends on the cause, policy type, and specific conditions you meet.
Insurance
Life and Health Insurance Benefits in Canada Rise 10% to $157 Billion
Canadian insurers paid out $157 billion in life and health insurance benefits, marking a 10% increase that reflects demographic shifts, inflation, and expanded coverage across the country.
Insurance
Home Insurance Basics: Dwelling, Contents and Liability Coverage in Canada
Compare the three core components of Canadian home insurance to understand what each protects and how they work together to cover your property and financial risk.
Insurance
Do I Need Flood Insurance in Canada?
Most Canadian home insurance policies exclude overland flooding. Learn what flood insurance covers, who needs it, and how to assess your property's risk.
Insurance
Does Home Insurance Cover Damage from Power Outages in Canada?
Power outages can cause thousands in damage, from spoiled food to flooded basements. Learn what your Ontario home insurance policy covers and what it doesn't when the lights go out.
Insurance
New Ontario Auto Insurance Rules in Canada: What Drivers Need to Know
Ontario is implementing new auto insurance regulations that will affect coverage requirements, premium calculations, and claims processes for drivers across the province.
Insurance
How Inflation Has Affected Home Insurance in Canada
Inflation has driven home insurance premiums significantly higher across Canada through increased replacement costs, rising claims expenses, and more frequent severe weather events.
Insurance
Health Insurance for Canadian Retirees: Bridging the Provincial Coverage Gap
Provincial health plans leave significant gaps in coverage for retirees. Understanding supplemental health insurance options helps bridge the divide between what government plans cover and what you'll actually pay.
Insurance
Ontario's Out-of-Country Health Insurance Coverage: What Canadian Travelers Need to Know
OHIP provides minimal emergency coverage outside Canada, leaving Ontario residents exposed to significant medical bills abroad. Here's what you need to know before you travel.
Insurance
Travel Health Insurance Coverage Gaps: A Canadian Couple's Hard Lesson
A couple thought their travel health insurance would protect them abroad. They learned the hard way about exclusions that left them facing thousands in medical bills.
Insurance
The Impact of Wildfires on the Canadian Insurance Industry
Wildfires are reshaping Canada's insurance landscape, driving premium increases, coverage restrictions, and fundamental changes in how insurers assess and price risk across fire-prone regions.
Insurance
How Much Is Health Insurance in Canada? What Canadians Pay for Private Coverage
Provincial health plans cover basic medical care at no direct cost, but Canadians often pay for private supplemental insurance to cover prescriptions, dental, vision, and other services not included in public plans.
Insurance
Car Insurance Premiums Are Up 9% in Canada - Here's How to Pay Less at Renewal
Canadian car insurance premiums jumped 9% this year. Learn eight proven strategies to reduce your costs at renewal, from comparing quotes to leveraging provincial discounts.
Insurance
How Home Insurance Rates Vary Across Canada and Where to Find Affordable Coverage
Home insurance premiums differ significantly across Canadian provinces due to weather risk, construction costs, and local regulations. Learn which regions pay more and how to find the best rates.
Insurance
Top 10 Home Insurance Companies in Canada: A Straightforward Guide for Smart Homeowners
Compare the major home insurance providers across Canada to find the right coverage for your property, from national carriers to regional specialists.
Insurance
How to Prepare Your Home Insurance for Winter in Canada
A practical guide to winterizing your home insurance coverage by protecting pipes, inspecting your roof, and maintaining your heating system before cold weather arrives.
Insurance
What Renters Insurance Covers in Canada: A Tenant's Guide
Tenant insurance protects your belongings, covers liability claims, and pays for temporary housing after a loss—all for as little as $15 to $30 per month in most Canadian cities.
Insurance
Home Insurance in Canada: What Is and Is Not Covered
Understanding what your home insurance policy covers and excludes helps you identify gaps and choose the right protection for your property.
Insurance
Business Insurance in Canada: What Small Businesses and Self-Employed Need
Learn what business insurance coverage small businesses and self-employed professionals need in Canada, from liability to property protection.
Insurance
Pet Insurance in Canada in 2026: When It Is Worth the Monthly Premium
Pet insurance can cover thousands in veterinary bills, but premiums vary widely. Understanding when coverage pays off helps Canadian pet owners make the right choice for their budget and their animal's health needs.
Insurance
How to Review Your Group Benefits During Open Enrollment in Canada
Open enrollment is your annual opportunity to review and adjust your employer-sponsored life, disability, and health insurance coverage.
Insurance
When Cancelling Your Insurance Policy Mid-Term Pays in Canada
Learn how mid-term cancellation fees work across Canadian provinces and how to calculate whether switching insurers will save you money despite the penalties.
Insurance
How to Name a Beneficiary Versus Your Estate on Life Insurance in Canada
Learn when to name a person as beneficiary versus your estate on Canadian life insurance, and understand the probate, tax, and timing implications of each choice.
Insurance
How a Claim Moves Your Premium at Renewal in Canada - Checklist
A practical checklist to understand how filing an insurance claim affects your premium when your policy renews, including fault rules, accident forgiveness, and provincial differences.
Insurance
How to Choose Between Term Life and Permanent Life Insurance in Canada
Learn the key differences between term and permanent life insurance to choose the right coverage for your family's financial protection in Canada.
Insurance
Landlord Insurance Calculator for Canada: Property Damage, Liability, and Loss of Rent Explained
Calculate the landlord insurance coverage you need for your rental property in Canada with our interactive tool that factors in property damage, liability, and loss of rent protection.
Insurance
How to Calculate Landlord Insurance Coverage in Canada
Learn how to determine the right amount of dwelling, liability, and loss-of-rental-income coverage for your rental property in Canada.
Insurance
How Pet Insurance Premiums Are Calculated in Canada
Understand what drives pet insurance costs in Canada and use our calculator to estimate your premium based on your pet's age, breed, location, and coverage choices.
Insurance
How to Calculate Income Replacement Insurance Benefits in Canada
Learn how to calculate the monthly disability insurance benefit you need to protect your salary and maintain your standard of living if illness or injury prevents you from working.
Insurance
How to Calculate Critical Illness Insurance Coverage in Canada
Learn how to determine the right amount of critical illness insurance coverage for your situation using key financial factors and family needs.
Insurance
Term Life vs. Permanent Life Insurance in Canada: Which Is Right for Your Family
Compare term and permanent life insurance to find the best coverage for your family's needs and budget in Canada.
Insurance
How Wildfires Affect the Insurance Industry in Canada
Wildfires are increasing property claim costs, changing underwriting, and putting pressure on home insurance availability in parts of Canada. Here is what that means for insurers and households.
Insurance
Flood Insurance in Canada: What Homeowners Should Know Before Storm Season
Canada does not have a U.S.-style federal flood insurance policy for homeowners. Most Canadians need to confirm whether overland water, sewer backup, and related flood damage are covered by their own home insurance policy.
Insurance
Do Weather Predictions Lower Home Insurance Premiums in Canada?
While weather forecasts and disaster predictions inform long-term risk modeling, they do not directly reduce home insurance premiums in Canada; rates are primarily set using historical claims data and actuarial analysis.
Insurance
How to Insure High-Value Items and Jewelry with Home Insurance Riders in Canada
Standard home insurance has limits on jewelry and valuables. Learn how to protect high-value items with riders and scheduled personal property endorsements.
Insurance
Is Tenant Insurance Mandatory for Renters in Canada?
Tenant insurance is not legally required in Canada, but many landlords now include it as a lease condition.