How to Handle Vacant Properties: Insurance Tips for Landlords and Homeowners

Vacant properties—whether it’s a rental home waiting for new tenants, your own house undergoing renovations, or an extended absence making the property unoccupied—pose unique risks. These properties are more vulnerable to vandalism, theft, and unexpected damage. For landlords and homeowners, understanding how your insurance coverage may change during these times is essential. This guide provides … Read more

Why Investing in Ontario Student Rental Properties Might Be a Good Investment

Is a Student Rental Property the Right Investment for You? Whether you’re purchasing your first investment property or expanding a rental portfolio, student rentals can be a rewarding choice. Despite perceptions of student housing being high maintenance, these properties offer unique benefits and a steady demand. Here’s why student rentals could be a valuable addition … Read more

DUI Insurance in Ontario: What You Need to Know After a Conviction

If you’ve been convicted of driving under the influence (DUI) in Ontario—whether it involves alcohol or drugs—the consequences are serious. Beyond fines, suspensions, and mandatory programs, your car insurance will be heavily impacted, as you’ll likely need high-risk auto insurance. Use the updated information below to understand what happens after a DUI conviction and the … Read more

Does a Speeding Ticket in Ontario Affect My Car Insurance?

Does a Speeding Ticket in Ontario Affect My Car Insurance? Many Ontario drivers mistakenly believe that a ticket without demerit points won’t impact their insurance premiums. Unfortunately, this isn’t true. Whether or not points are assigned, any moving violation—such as a speeding ticket—can still affect your car insurance rate. Insurance providers look at driving records … Read more

What to Look for When Buying a Student Rental In Order To Keep Insurance Cost Down

Investing in a student rental property can be rewarding, but it comes with unique challenges—especially when it comes to insurance. Even experienced landlords sometimes purchase properties that are difficult to insure due to outdated systems or structural issues. To avoid this, it’s essential to know what to look for before making an offer on your … Read more

More Cities Regulating Rental Housing & Student Rentals

Ontario Student Rental Housing Regulations and Insurance Guide As the rental housing market grows, many cities in Ontario are implementing stricter regulations to ensure compliance with local rental bylaws. This is particularly important for landlords renting to students, as student housing requires specific attention to safety standards and legal requirements. If you’re looking for student … Read more

Back on Track Ontario: Program Details, Costs, and Locations for License Reinstatement

If you’ve been convicted of impaired driving or have received multiple roadside suspensions in Ontario, reinstating your driver’s license requires completing the Back on Track Ontario program. This mandatory remedial program educates drivers on the dangers of impaired driving and helps develop safer habits on the road. Understanding the costs, requirements, and locations can help … Read more

Difference Between Home Insurance & Rental Property Insurance

A common misconception about home insurance is that a property is covered as long as it has insurance—even if it’s being rented out. This isn’t accurate. When securing insurance, it’s essential to inform your insurance provider about who lives in your home and how the property is being used. Failing to disclose occupancy details could … Read more