Outstanding rates & peace of mind!

More and more insurance is becoming a ‘big box’ business. Despite the fact that these companies are often far from pleasant to deal with, people often go with these companies believing they are getting a lower rate.

People are often surprised to find that we can supply excellent rates, sometimes significantly lower than the big guys. How do we do this? Well it’s an old-fashioned word… We call it ‘service’!

By taking the time to truly understand your situation and then working to match you up with the best possible provider we can almost always provide a significantly better rate and coverage.

The icing on the cake here is that you also get me. I care very strongly about my clientele and if you have questions or concerns about your insurance, I’m going to remember who you are, and work diligently on your behalf and see to it you’re very well taken care of.

What’s important to you?


Cottage insurance is growing in popularity and continues to evolve from insurer to insurer.  There are various levels of coverage available depending on the cottage location, fire protection available in the area, type of cottage, and the frequency that you visit the property. Not all cottage insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your cottage insurance coverage and provide you with some competitive options.


With offices across Ontario, I can find the right cottage insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive cottage insurance rate that fits your needs and budget.


Each insurance company has many cottage insurance discounts available. I will work with you to find the best cottage insurance for your situation. Some of the discounts available are:

  • Multi-policy discount (insuring auto and property with the same company)
  • Multi-property discount (insuring multiple properties with the same insurance company)
  • Mortgage free discount
  • Newer cottage
  • Monitored Alarm discount
  • Claims free discount
  • Non-smoker discount
  • Loyalty discount
  • Sewer backup prevention
  • Shuttle tank fire protection discount

Professional Advice:

There are very few people that actually review their cottage insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.

Payment Flexibility:

Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.

Additional Coverage:

Sewer backup coverage
Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.

Home based business
What happens if you run a home based business out of your cottage? Did you know you can get additional liability and business contents coverage added in most cases? This is very important especially if you have clients coming to see you at your home office.

Jewellery rider
Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.

Silverware, goldware, stamps, coins  and collections
All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options to include additional coverage.

Personal watercraft coverage
If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.

Umbrella coverage
An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.

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