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Clear explanations, helpful guides and answers to common questions. Understand an insurance concept in a few minutes.
5 Things You Need to Know Before Buying Home Insurance
Many people purchase home insurance simply because their mortgage lender requires it, or because they assume that having insurance means they will be compensated if something goes wrong. In reality, home insurance serves a much broader purpose.
Read articleUnderstanding Different Property Types in Canada: Condo, Apartment, Townhouse, Duplex, Co-op and House
When buying or renting a property in Canada, you will often come across terms such as Condo, Apartment, Townhouse, Co-op and House.
Read articleA Beginner’s Guide to Home Insurance: An Overview of Coverage
In Canada, whether you are a tenant, a condo owner, or the owner of a detached house, home insurance can provide important financial protection when unexpected events occur.
Read articleWhat Should You Do After a Home Insurance Loss? Understanding the Home Insurance Claim Process
When an unexpected incident occurs at home, such as a burst pipe, water leak, fire, or other sudden damage, there is more to deal with than just the physical damage. You may also need to navigate the home insurance claim process.
Read articleHow Should You Buy Home Insurance? Understanding Different Ways to Get Coverage
When shopping for home insurance, many people compare quotes online in the hope of finding a policy with a lower premium and adequate coverage.
Read articleWhy Do Insurance Quotes Differ Between Companies?
When shopping for home or auto insurance, you may notice that different insurance companies can offer very different quotes, even when you provide exactly the same information.
Read articleWhy Is Home Insurance Getting More Expensive? 4 Key Factors Behind Rising Premiums
When homeowners receive their annual home insurance renewal notice, many notice that their premiums have increased again. Even if they have never made a claim, their premiums may still go up.
Read articleWhat Is Guaranteed Replacement Cost (GRC) in Home Insurance?
When purchasing home insurance for a detached home, you may come across a coverage feature called Guaranteed Replacement Cost (GRC).
Read articleWhat Factors Can Make Home Insurance Difficult to Obtain?
When purchasing home insurance, many homeowners assume that as long as their property is in reasonably good condition, obtaining an insurance quote should be relatively straightforward.
Read articleWill Your Home Insurance Become Invalid If You Leave Your Home for an Extended Period?
If you are planning to travel for several weeks, visit family overseas for a month or two, or spend an extended period away from Canada during the winter, you may be wondering: Will your home insurance become invalid if nobody is living in your home while you are away?
Read articleLending Your Car to Someone: Do You Need to Add Them to Your Auto Insurance Policy?
From time to time, you may find yourself lending your car to a friend or asking someone else to drive your vehicle. This raises a common question:
Read articleClass 5 vs. Class 7: Does Your Licence Class Directly Affect Your ICBC Premium?
Many drivers in British Columbia believe that obtaining a Class 5 Full Licence will automatically lower their ICBC auto insurance premiums compared to holding a Class 7 N Licence.
Read articleWhy I Don't Recommend Buying a New Car as a New Driver
Getting your first driver's licence is an exciting milestone, and buying your first car can make it even more special.
Read article5 Key Factors That Affect Auto Insurance Premiums in BC
Why do some drivers pay high auto insurance premiums despite having no accident history? And why might your premium actually increase after switching to a different vehicle, rather than decrease?
Read articleIs Collision Coverage Too Expensive? Why I Still Recommend Giving It Serious Consideration
When renewing their auto insurance each year, roughly one in seven vehicle owners may ask: “Collision coverage is so expensive. Can I go without it?”
Read articleWhat to Do After a Car Accident in BC: A Step-by-Step Guide
Whether you have been driving for many years or have only recently obtained your driver's licence, being involved in a car accident can be a stressful experience.
Read articleA Beginner’s Guide to Auto Insurance in BC: From Basic Coverage to Optional Protection
Generally speaking, auto insurance serves two main purposes: protecting others and protecting yourself.
Read articleICBC vs. Private Auto Insurance in BC: What Drivers Should Know
When buying car insurance in British Columbia, most drivers think of ICBC first. After all, ICBC is the sole provider of mandatory Basic Autoplan insurance in BC. Vehicles that must be insured and licensed for use on BC roads generally need to carry ICBC Basic Insurance.
Read articleCan You Drive Your BC-Registered Vehicle to Other Provinces? What Happens If You Leave BC for More Than 30 Days?
The answer is yes! If your vehicle is insured in British Columbia and your policy meets the applicable requirements, you can generally drive it to other Canadian provinces and even travel to the United States.
Read articleRichmond Auto Insurance Premiums: Could Richmond Actually Be One of the Cheaper Areas?
When people think of Richmond, some may immediately recall the traffic accidents that have taken place there.
Read articleIs new car replacement coverage worth it?
Offered replacement value coverage when buying a car? Five things to consider before you decide.
Read articleWhat's the difference between an insurance agent and a broker?
How agents and brokers differ, and why it matters to you.
Coming soonWhat are strata deductibles?
When the strata asks owners to share the deductible, here is how your policy can help.
Coming soonTravel insurance essentials
Travel medical, trip cancellation and trip interruption explained.
Coming soonArticles in this category are coming soon. Feel free to contact me in the meantime.
Have a question that's not covered here?
Insurance questions often depend on the details. If you're unsure how something applies to your situation, feel free to get in touch.