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The things we explain most often on the phone, written down once so we can stop repeating ourselves.

A Montréal street in winter, snowbanks along the curb and cars parked under streetlights.

February 11, 20267 min read

Public or private: how auto insurance actually works in your province

Three provinces sell you the basic policy themselves. Québec splits it in two. Everywhere else is a private market. Here is what changes when you cross a border.

Élise Tremblay-Roy · Personal lines broker, Montréal

Foothills west of Calgary in late winter under a chinook arch.

April 2, 20265 min read

What a $1,000 deductible really costs you

Raising a deductible is the easiest way to lower a premium and the easiest way to regret it. The number that decides it is not on your policy.

A small apartment interior with a tall window, exposed brick and plants.

May 21, 20266 min read

Tenant insurance: what your landlord’s policy does not cover

The building is insured. You are not. The gap between those two facts is about twenty-five dollars a month.

A wool scarf and travel wallet on a windowsill with mountains beyond.

June 17, 20266 min read

Travel medical and your provincial health plan: the gap nobody plans for

Your provincial plan reimburses what a hospital at home would have cost. An American hospital does not charge what a hospital at home charges.

A Canadian house at twilight with snow on the roof and warm lit windows.

January 14, 20266 min read

Ice dams, frozen pipes and what a home policy actually pays for

The most expensive fortnight of the Canadian year is the one either side of a thaw. Three exclusions decide whether you are covered.

Tell us your province. The rest follows.

A ten minute request, a named broker, and an answer that starts with what your province already covers.

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