ONTARIO INSURANCE / PERSONAL INSURANCE
Your home, your vehicle, and the everyday things you value deserve a clear insurance conversation. Explore personal insurance with Fortiva, a Division of CHAT Insurance.
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01 / PERSONAL INSURANCE OPTIONS
Explore the areas you would like to discuss. Your circumstances, insurer eligibility, and the policy terms guide the options available.
For your vehicle, how you drive, and the road ahead.
Explore coverage considerationsFor your home, belongings, and personal liability.
Explore coverage considerations
Protection considerations beyond the corporation’s policy.
Explore coverage considerationsFor the belongings and responsibilities that come with renting.
Explore coverage considerationsFor residential property you rent to others.
Explore coverage considerations
For the unexpected while you are away.
Explore coverage considerations02 / UNDERSTAND THE DETAILS
Look at what coverage is designed for, the limitations to ask about, and the factors an insurer may consider when setting a premium.
Review Ontario auto coverage and available options with a broker. Collision and comprehensive coverage, deductibles, liability limits, and optional benefits should be considered against your circumstances. Driving history, vehicle, use, and location can influence premiums.
Consider rebuilding costs, contents, liability, and additional living expenses after an insured loss. Water-related options, valuable items, home businesses, and maintenance exclusions need particular attention. Construction, location, claims history, and chosen limits can affect premiums.
Discuss your belongings, unit improvements, personal liability, and applicable loss-assessment options. Compare the condominium corporation’s policy and deductible responsibilities with your own coverage. Building characteristics, limits, and claims history can influence cost.
A landlord’s policy generally does not insure your belongings. Consider contents, personal liability, and additional living expenses following an insured loss. Deductibles, special limits, exclusions, location, and your coverage choices matter.
Tell your broker about tenants, rental arrangements, short-term stays, and vacancies. Review building, landlord contents, liability, and rental-income options, together with occupancy conditions and exclusions. Property use and condition affect underwriting and premiums.
Consider emergency medical, trip cancellation, or interruption options as appropriate. Review pre-existing-condition definitions, stability requirements, destinations, activities, exclusions, and assistance procedures before departure. Age, trip length, destination, and health information can affect eligibility and cost.
03 / A CONSIDERED INSURANCE REVIEW
Understand your choices before deciding. A broker can help you work through the details that make one policy different from another.
Explain how you use your vehicle and property, who lives in the home, and any business, rental, or travel plans that may matter.
Look at limits, deductibles, exclusions, optional protections, and settlement conditions alongside the premium.
A move, renovation, different vehicle use, or change in occupancy can be a reason to contact your broker and review your arrangements.
QUESTIONS, ANSWERED
Start with the questions that matter to you. Your policy and circumstances always guide the details.
No. Review how the policy treats sewer backup, overland water, seepage, and other causes. Available options, exclusions, limits, and deductibles differ; ask about your specific property and concerns.
Yes. Tell your broker how the property is actually used, including business activities, tenants, and short-term rentals. A standard personal policy may not be appropriate for every use.
No. These address different events and expenses. Check which protections you have, pre-existing-condition requirements, and how to reach the assistance provider. Coverage must be arranged for your own circumstances.
Consider limits, deductibles, exclusions, settlement terms, optional protections, and reporting conditions. A lower premium alone does not tell you whether two policies provide comparable protection.
General information: FSRA’s Ontario auto guide (opens in a new tab), Canada’s home insurance guide (opens in a new tab), and travel insurance guidance (opens in a new tab).
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