Personal Insurance
Commercial Insurance is our “specialty,” but not all we offer. We provide comprehensive insurance policies for Homes, Cottages, Vehicles and Recreational Units.
If you’re also a commercial insurance client, we will build in the economies of insuring your businesses to ensure you receive the best pricing when we quote your personal items.
Personal Insurance Policies Include
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Home & Cottage Insurance
Our homeowners' insurance is designed to protect your primary residence.
Cottage insurance, or known as vacation property insurance, is designed to protect your secondary residence or seasonal property.
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Auto & Classic Car Insurance
Auto, motorcycle, and classic car insurance are different types of insurance policies that provide coverage for vehicles. Each policy is tailored to the unique needs and characteristics of the specific type of vehicle.
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ATVs & Trailers Insurance
Recreational toys insurance covers various types of recreational vehicles or toys used for leisure and outdoor activities. Insurance coverage can include ATVs, snowmobiles, dirt bikes, trailers, and other similar vehicles.
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VIP Personalized Program
If you are an existing commercial insurance client, or looking to bring your commercial business over, we can provide exclusive and special offers when bundling your commercial and personal insurance together.
Property Insurance for Home & Cottage
Dwelling Coverage
This coverage protects the physical structure of your home or cottage against covered perils like fire, theft, vandalism, and certain natural disasters.
Liability Coverage
Protects you if someone is injured on your property or cottage, and/or if you cause damage to someone else's property.
Contents Coverage
This policy provides protection for your personal belongings like furniture, appliances, clothes and other items against damage or loss.
Additional Optional Coverage
Additional coverage options may include water damage, sewer backup, scheduled personal property (for high-value items), and identity theft.
Auto Insurance for Vehicles & Recreational Toy Insurance
Liability Coverage
Protects you if you cause injury or property damage to others while using your recreational toy, like an ATV, or with your vehicle including motorcycles.
Comprehensive Coverage
This coverage covers non-collision-related damage to your car, motorcycle, ATV or other recreational vehicle such as theft, vandalism, fire, or certain natural disasters.
Seasonal Occupancy & Rental Coverage
Coverage is available for seasonal occupancy for cottages. Vacation Rental Coverage is also available to protect yourself from rental income loss due to damage or liability claims.
Accident Benefits for Cars and Motorcycles
This policy covers medical expenses, rehabilitation costs, and income replacement for you and your passengers in the event of an accident, regardless of fault.
Auto and Motorcycle Collision Coverage
Covers damage to your vehicle resulting from a collision with another object or vehicle, regardless of who is at fault.
Additional Living Coverage
Provides coverage for temporary living arrangements if your home or cottage becomes uninhabitable due to a covered event.
Physical Damage Coverage
Covers damage to your vehicle, motorcycle, ATV, or other recreational vehicle resulting from accidents, theft, vandalism, or other covered perils.
Optional and Additional Coverage
Additional options include increased liability limits, loss of use coverage, rental vehicle coverage, accessories or modifications coverage, emergency roadside assistance, and trailer coverage.
“Great people and the best rates in the industry. Highly recommend!”
— Robert L
