Broker Insights
February 12, 2026
Short-term rentals through platforms like Airbnb and Vrbo have become popular across Canada—but many homeowners don’t realize that standard home insurance often excludes short-term rental activity. One claim without proper coverage can be costly. 🛡️ Why Short-Term Rentals Change Insurance Risk Unlike long-term tenants, short-term guests bring: Essential Insurance Coverages ⚠️ Platform-provided “host guarantees” are […]
February 11, 2026
Owning a rented dwelling—whether a condo, duplex, or single-family home—can be a strong investment in Canada. But once tenants move in, your insurance needs change significantly. Standard homeowner policies are not designed for rental properties. 🚫🏠 Why Rental Properties Need Special Insurance With tenants occupying the space, landlords face added risks: Key Coverages for Rented […]
December 5, 2025
Student housing rentals in Canada are a popular investment opportunity, but they come with unique insurance needs. Whether you’re a landlord renting to students or a tenant, understanding the insurance requirements can help you avoid financial risks. Here’s everything you need to know about insuring student housing. 🛡️ 🔹 Risks of Student Housing Rentals 🔹 […]
December 4, 2025
Owning high-value commercial property in Canada—properties valued at over $10 million TIV (Total Insurable Value)—presents unique insurance challenges and opportunities. Whether it’s an office tower, manufacturing facility, or a large retail complex, insuring these assets requires a comprehensive approach to ensure full protection. Here’s what you need to know. 🛡️ 🔹 Risks of High-Value Commercial […]
December 3, 2025
In Canada, non-standard construction homes—such as log cabins, straw bale homes, and earth-sheltered buildings—are growing in popularity. While these homes are eco-friendly and unique, they come with special insurance considerations. Here’s what you need to know to protect your unconventional property. 🛡️ 🔹 What is Non-Standard Construction? Non-standard construction refers to homes built with materials […]
December 2, 2025
Owning a heritage building in Canada is both a privilege and a responsibility. These buildings are rich in history and architectural beauty but come with unique insurance challenges. Here’s what you need to know to ensure your heritage property is adequately protected. 🛡️ 🔹 The Risks of Heritage Buildings 🔹 Insurance Considerations for Heritage Properties […]