Spoiler alert: A used car is usually a bit cheaper to insure — but not always, and the difference in cost might be less than you think. First, it’s important to understand the factors that affect auto insurance rates. There can be thousands of these, so we won’t cover them all. Instead, we’ll look at the largest factors that affect…

Canadians invest tens of billions of dollars each year in home improvements and renovations. Bathroom renovations top the list, followed by basements, decks, fences, and more. When you purchased your home insurance policy, you probably spent some time working with your broker to be sure you were fully insured and that your home would be repaired or rebuilt to be…

Most small business owners skip paying for small business insurance until they have a legal or contractual reason to do so. But, in doing that, many are putting themselves, and their business, at risk. According to a commercial insurance study conducted by The Hartford, 40 percent of small businesses will experience an event that requires them to file a small…

In many households, our vehicles are among the largest purchases we make in our lifetimes. Cars do not last forever, but one accident can cause your vehicle to be completely destroyed long before it wears out. How do insurance companies decide when a vehicle is a total loss and not worth repairing? Most insurers set a threshold for determining a…