As a landlord in Ontario, you may be inclined to protect your property by implementing various rules for tenants, including a “no pets” clause. However, under Ontario law, landlords cannot refuse to rent to tenants solely based on pet ownership. This restriction is governed by the Residential Tenancies Act (RTA), which aims to balance the … Read more
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
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
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? 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
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 Even experienced landlords sometimes purchase properties that are difficult to insure due to outdated systems or structural issues.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
In 2024, distracted driving has become a common issue on Ontario’s roads. Whether it’s someone texting at a red light or holding up traffic while checking their phone at an advanced left turn, these distractions pose serious risks. What many Ontario drivers may not realize are the severe penalties they face if caught, and the … Read more
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
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
Every September, over 2 million children across Ontario return to school, leading to increased activity in school zones and surrounding areas. This annual event requires heightened vigilance from drivers, as students navigate crosswalks, cross roads, and walk along sidewalks on their way to and from school. These areas will be busy the way until June … Read more