Faq

Standard policies often have low limits. We can help you add extra coverage to ensure your custom pipes, chrome, and expensive gear are fully protected.

Your liability coverage extends to a passenger, but it’s crucial to ensure your limits are high enough to cover potential injuries. We can review this with you.

A common rule of thumb is 10 times your annual income, but we personalize it by analyzing your debts, mortgage, and future family needs.

It’s more affordable than most people think, especially when you are young and healthy. We can find a term policy to fit almost any budget.

Term life covers you for a specific period (e.g., 20 years) and is very affordable. Permanent life provides lifelong coverage and builds cash value.

Usually, it’s not. Work policies are often small and not portable if you change jobs, leaving your family unprotected. A personal policy offers better security.

It can be a smart move to cover debts, final expenses, or lock in low rates while you’re young and healthy for future needs.

No. In Canada, the death benefit paid from a life insurance policy to a named beneficiary is received completely tax-free.

The landlord’s policy only covers the building. Your personal belongings and liability are not protected. Only renters’ insurance covers what is yours.

Yes. The cost to replace everything at once—clothes, furniture, electronics—adds up quickly. The low cost of a policy is worth the protection.

It also covers your personal liability if someone is injured in your unit, and additional living expenses if you’re forced to move out during repairs.

It’s surprisingly affordable, often costing less than a dollar a day. The exact price depends on your coverage needs and location.

No. Your policy only covers you and your belongings. Each roommate needs to have their own separate renter’s insurance policy to be protected.