What auto and home insurance actually cover, in plain language. No jargon, no fine-print games.
Every Ontario policy includes these four. You cannot drive without them.
Pays others for injury or property damage when an accident is your fault. This is the coverage that protects your savings.
Pays medical care, rehab and income replacement for you and your passengers, no matter who caused the accident.
When another driver is at fault, your own insurer pays for your car damage — faster than chasing their insurer.
Covers you if the other driver has no insurance, or in a hit-and-run.
These protect your own car. Your loan or lease may require them.
Damage to your car from a crash — with another car, or with a pole, guardrail or ditch.
Theft, fire, vandalism, hail, falling branches, hitting an animal — everything that is not a crash.
A rental car while yours is repaired, plus towing and roadside help when you need it.
What a home policy usually protects.
Damage to your home and belongings from fire, theft, wind, and other named risks.
If someone is hurt on your property or you damage someone else's property.
Sudden pipe bursts and related water damage, as defined in your policy.
A place to stay and living costs while your home cannot be lived in after a covered loss.
Worth asking about, depending on your home.
Water that comes in from outside or backs up through drains — often needs a specific endorsement.
Rebuilds your home even if the cost runs above the policy limit.
Extra cost to rebuild to current building codes after a loss.
Higher limits for items like jewellery, art, and collections.
Read these before you assume.
Gradual deterioration is maintenance, not insurance.
Usually excluded unless tied to a covered loss.
A slow leak you did not fix is different from a sudden pipe burst.
Needs a separate endorsement in most policies.
A deductible is what you pay first. With a $1,000 deductible, a $4,000 covered roof repair means you pay $1,000.
A broker does not set base rates. Rates are set by insurers; a broker compares them for you.
Tell us about your car, home, or both — we explain the trade-offs and let you decide.
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