If you had to act quickly when buying your home insurance, odds are you didn’t have time to shop around and look for discounts. So you’re likely paying more each month than you need to.

We know it might be frustrating to realize you’ve been overpaying. But there’s good news here, and it’s this:

If your goal is to save on home insurance, TONS of discounts for homeowner’s insurance can help you do just that going forward!

In this post, we explain the 15 most popular home insurance discounts in Canada and help you understand whether or not you qualify for them.

Read through the list, make a note of any discounts you think you could qualify for, and then bring them to your insurance broker (ahem – like us!) who can help you with this.

In Manitoba, you need homeowner’s insurance to secure a mortgage. So many Manitobans rush to secure it without taking the time to read their policy carefully and learn how it works.

That’s not the worst thing. It’s better to have coverage you don’t understand than to have no coverage at all! But home insurance policies are complex. Often, things you think should be covered aren’t. Or, the coverage you know you have doesn’t work the way you thought. Which could leave you financially vulnerable and unprepared.

Taking the time to understand your policy, like you’re doing now, is a really smart thing to do. Knowing more will remove some of the stress and uncertainty that comes with an insurance claim—and fill any coverage gaps before it’s too late to fill them.

Let’s get you feeling more confident about your homeowner’s insurance!

Prefer to skip the reading and talk to us instead? Go ahead and reach out!

We’re standing by to help you purchase, make sense of, or add to your homeowner’s insurance policy. It’s a lot to wrap your head around, but you’re not alone!

If you’ve purchased a house recently, you’ve most likely been offered mortgage insurance by your mortgage lender or broker. Although the idea of protecting the biggest investment you’ll ever make is one we stand behind, it doesn’t mean mortgage insurance is always necessary. This is especially true if you’re covered by another policy, such as life insurance.

How does mortgage vs. life insurance work? Well, mortgage insurance ensures that if something were to happen, the amount remaining on your mortgage would be paid off. This payment goes directly to your lender and cannot be used for anything else.

In contrast, life insurance pays a non-taxable lump sum to your beneficiary if something unimaginable were to happen to you– the policy owner. This money can be used to cover expenses such as your mortgage or anything the beneficiary chooses.

In this article, we’ll explore how mortgage and life insurance policies differ and which one may work best for your unique situation. Our goal is to ensure your investment is properly protected without you having to spend any more than you need to on insurance.

Prefer to skip the reading and jump right to speaking to one of our insurance consultants? Go ahead and reach out!

Long gone are the days of people renting traditional venues for all their events. There has been a rise in the popularity of backyard rentals, whether that be for weddings, photo shoots, or other events. So, if you have a nice yard and like the idea of earning some extra cash (which, who doesn’t?!), then you’re probably wondering what you need to know before you take the leap and rent out your backyard in Manitoba.

We’re not going to beat around the bush; from an insurance perspective, renting out your backyard is an idea covered in caution tape and warning signs. That’s not to say you can’t do it, but if you do, you’ll definitely want to make sure you purchase the right insurance (and enough of it!). Without proper protection in place, your rental could turn from a money maker to a money pit. Yikes.

So whether you’ve considered renting out your yard or know someone who has, listen up. This is a post you cannot afford to skip.

Already committed to renting out your yard? Reach out to our team. We’ll help ensure you’re protected from every angle so you can rest easy knowing that if something goes wrong, you’re covered.

You’ve probably heard your friends, family members, or neighbours talk about using an insurance broker when buying property insurance. Although you’re not against the idea, you’re also not exactly sure what benefits utilizing an insurance broker could provide. As of right now, it just sounds like more work to do.

So, what are some reasons why you should use a house insurance broker when insuring your Manitoba property?

An insurance broker can help make getting a property insurance policy very simple! They’ll also help you shop around to lock in the best rate and ensure you get a policy that best suits your needs. Also, if you need to make a claim down the road, they can walk through the process with you. Think of them and your insurance cheerleader.

In this post, we’ll look more closely at why your friend, family member, or neighbours decided to go with a home insurance broker and why we think you should, too!

Rather directly discuss what an insurance broker does or how they could help in your specific situation? Go ahead and reach out! We’re always here to chat.

Building a new home is exciting! It means you can make fun decisions, like if you want an open or closed concept, and avoid weird layouts or neon orange walls. However, it also means navigating some of those not-so-fun tasks, such as determining how to get property insurance on your new build.

Exactly how you get property insurance on your new build will depend on what type of property insurance you need.

In some cases, your contractor may hold enough insurance to cover the construction phase. In other cases, you may need to get a few different policies to ensure your property (and investment!) are protected.

We believe the best (and easiest!) way to get the right insurance coverage is by working with an insurance broker. They’ll not only help you determine what coverage you may and may not need, but they’ll also help you find the best premium!

Want to avoid the reading and jump right to speaking with an Insurance Consultant? Contact us today!

You did it! You bought a boat. And you cannot wait to get out to the lake and take it out on the water this summer! We are with you! Let’s just make sure you’re covered first—so the summer doesn’t go from fun and freeing to stressful and sticky. 

We’re breaking down what boat insurance is, what it covers, and why it’s key to getting you into the summertime state of mind you so deserve. Because, trust us, the LAST thing you need is to find out the hard way that your existing insurance doesn’t cover you, or your boat, as much as you thought!

Having a rental home or owning multiple properties in Manitoba can be a great investment! However, this great investment can turn into you hemorrhaging money fast without the proper coverage in place. So, what type of insurance should you have for your rental properties in Manitoba?

Firstly, you’ll want to secure rental insurance. This will help protect your rental property, your possessions, and any liability claims coming from injuries that happen on your premise. Then, we recommend looking at additional coverage add-ons, such as service line coverage.

When you’re planning to travel, you prepare a lot of things. You book your flights and accomodations, pack your bags, and tie up loose ends at work. But what do you do to prepare your home? Taking time to prepare your house for an extended vacation can save you the stress of a property insurance claim arising while you’re away—and the headache of returning home to an unwanted surprise! Keep reading to find out why preparing your home for travel is a step you definitely should not skip.

If you’re a Manitoba mortgage holder– or planning to become one–you likely know that home insurance is essential. But how much insurance do you really need? What are the basics, and which add-ons might be worth considering?

Unfortunately, there’s no one-size-fits-all solution, but here are a few converge types you may want to research:

1. Dwelling Insurance: This covers the damage to your property, ensuring you have coverage to rebuild your home entirely if it were destroyed.
   
   
2. Liability Insurance: This protects you if someone is injured on your property. Though you’ll likely need at least $1 million of third-party coverage, we recommend at least $2 million in liability coverage for more comprehensive protection.
   
   
3. Contents Insurance: This safeguards your personal belongings. Your coverage needs here will vary, depending on the value of what you own.