HOME INSURANCE

Home Owners/ Seasonal/ Condominium/ Tenants/ Rental Property We can advise you on the best insurance choice for your home, cottage or condo. We will be happy to discuss all of your coverage options, including Broad and Comprehensive policies. A Broad policy will provide you with All Risk coverage for your home and Named Perils coverage including fire, theft, vandalism, smoke, lightning, explosion, riot, wind, hail, rupture and water escape, theft from vehicle, vehicle impact for your personal possessions.

A Comprehensive policy provides All Risk coverage for both your home and your personal possessions. This includes accidental breakage (a wide screen television is knocked over) and mysterious disappearance (a diamond falls out of a ring). The cost of this policy is generally a little higher.

You can arrange for additional coverage for:
Full replacement cost of building, scheduled items (art, jewelry, furs), computer and electronic equipment, boats and additional vehicles, seasonal residences, increased personal liability protection and home businesses.

Tenant & Condominium Insurance
Tenant and condo owner policies provide protection against loss or damage to household contents and personal belongings; as well as for personal and/or tenant legal liability. Condo policies also include loss assessment and improvements and betterment coverage.

A number of policy discounts are available including:
50 Plus, Seniors, New Home, Non Smoker, Alarm Systems, With Thanks, Mortgage Free.

Automobile/ Truck/ Motorcycle/ Trailer/ Snowmobile/ Off Road Vehicle The cost of insurance for your vehicle is based on several factors; the type of vehicle, the use of the vehicle, the coverage options you choose and your merit discount level. To find out the cost of insurance for a vehicle click here.

COMMERCIAL INSURANCE

Our insurance companies have excellent commercial insurance departments. We can offer Commercial Insurance Packages such as Small Contractor's, Hard Hat, Business Insurance Policy, The Edge and others. These packages provide multiple coverage extensions and the package concept can result in significant savings for you. We also offer an Independent Maids/Janitorial Program that provides $5,000 bonding and $1,000,000 commercial liability with a $250 property damage deductible.

TRAVEL INSURANCE

Vacation travel insurance is an important consideration, whether you are traveling out of country or within Canada. In addition to covering your emergency excess hospital/medical expenses consider additional benefits that may save you considerable expense.... Licensed Ambulance, Emergency Dental Accident, Prescription Drug Reimbursement, Medical Transport, Family Transportation Expense and others. We represent Manitoba Blue Cross and Travel Underwriters to arrange the best plan for your travel needs.