How much you pay for your Home Insurance, whether Broad or Comprehensive, will depend upon:

• Replacement value of your dwelling - This includes cost to repair, replace or rebuild with like design, quality, materials and workmanship.
• Type of insurance purchased
• Location - Some neighborhoods are more susceptible to particular losses such as vandalism, theft, sewer back up, etc.
• Age of dwelling - Newer homes tend to have fewer claims. Applicants with homes over 20 years of age must verify major updates to shingles, electric wiring, heating and air conditioning systems.
• Claims history - A claim discount is available for those clients with no claims for 3 or more years with continuous insurance.
• Type of heating
• Alarms - Burglary, Fire Alarm systems connected to a monitoring station may qualify you for a discount. Subject to approved alarm certificate.
• Type of dwelling
• Prior Insurance / Coverage history

Rating Factors for Automobile Insurance

How much you pay for Automobile Insurance will depend on:

• Age
• Gender
• Licensing Status and driving experience in Canada
• Motor Vehicle Accident and Conviction Record
• Where you live
• Use of your vehicle (Business/Pleasure)
• Year, Make and Model of Vehicle (market value, theft potential, repair costs)
• Prior Insurance / Coverage history