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Auto & Home Insurance

What is Auto Insurance?

If you are looking for a type of insurance that provides financial protection to drivers in the event of an accident or damage to the vehicle, auto insurance is for you. Car insurance is mandatory in Canada and covers damage to the insured driver’s vehicle, damage to other vehicles involved in the accident, and injury or property damage caused to others.

Covers various types of damages, including liability. Depending on your insurance, coverage may also include theft, fire, and other damages.

The cost of car insurance in Canada varies widely depending on a variety of factors, including the driver’s age, driving history, car make and model, and the amount of coverage needed. Drivers in Canada are generally required to carry a minimum amount of liability insurance but may also choose to carry additional insurance for added protection.

Types of Auto Insurance

Liability Coverage

This type of insurance is mandatory in Canada and covers damages or injuries that you may cause to another driver, their vehicle, or their property. Liability coverage includes both bodily injury liability and property damage liability.

Collision Coverage

This type of insurance covers damages to your own vehicle that are a result of a collision with another vehicle or object.

Comprehensive Coverage

This type of insurance covers damages to your vehicle that are not caused by a collision, such as theft, fire, vandalism, or natural disasters.

Uninsured Motorist Coverage

This type of insurance provides protection if you are involved in an accident with an uninsured or underinsured driver.

Personal Injury Protection (PIP) Or Medical Payments Coverage

This type of insurance covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.

GAP Coverage

This type of insurance covers the difference between the value of your vehicle and the amount you still owe on your loan or lease in the event of a total loss.

Roadside Assistance Coverage

This type of insurance provides assistance if your vehicle breaks down or if you require a tow.

What is Home Insurance?

Even if we are full of positivity, disagreements are always expected.

Discrepancies are expected always even though we have positivity in abundance. In case of any theft, loss or damage to your home or property’s inside and outside, you can opt to protect your home with Home Insurance. It also helps to keep you covered on the additional living expenses like living in a hotel or renting a home, when you are temporarily unable to live in your home. It covers the following:

  • Coverage for damage or loss to your dwelling and other structures on your property.
  • Protection for your personal belongings in case of damage, theft, or loss.
  • Insurance for personal property that is stolen from your vehicle.
  • Liability coverage for damage or injury to visitors on your property.
  • Protection against accidental damage you may cause to someone else`s property.

You must note that Home Insurance is also referred to as property and casualty insurance which comprises even Car or Auto Insurance, Catastrophe or Natural Disaster Insurance and Business or Commercial Insurance.

Types of Home Insurance

Personal Property Coverage

This type of coverage protects you from loss or damage to your home or personal possessions or your car. All you need to do is make a list of your possessions and add information like cost of replacement, serial numbers, make of the item, model of the item, receipts for major items at your home and click pictures of your belongings. Now this helps you to make your insurance claim in the future.

Liability Coverage

If you become legally responsible for causing property damage or any injury through your property to someone else, you need liability coverage. It is designed to cover the costs associated with lawsuits or claims filed against the policyholder for damage or injury they caused like medical expenses, legal fees, and other costs.