Personal Insurance

Who wants to shop for insurance? Nobody. We know that. But let’s make it easier.

From your home to your car to your boat to even your identity, our knowledgeable, plain-speaking Specialists will get you the right coverage. Shop select products online, or heck, we’ll even do the shopping for you.

Vehicle Insurance

Whether it’s for your car, classic car, RV, motorcycle, ATV or snowmobile, we’ll help you find the coverage you need.

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Leisure & Lifestyle Insurance

Sometimes you need insurance for the fun stuff. From special events to storage units to insurance you may not even know you need: we’ll help protect it.

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Home Insurance

We help protect homeowners, condo owners, and tenants. We also cover rental properties, cottages, and secondary or seasonal homes.

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Identity Protection Insurance

What’s worse than shopping for insurance? Identity theft. But it and other digital crimes are on the rise. We can help.

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Why trust Insurance Store?

Our diverse team of specialists have experience that spans several generations and insurance types.

Questions? We’ve got answers.

No matter what types of questions you have, our insurance Specialists have answers. And you can contact us via phone, email, online, or in-person at our various locations.

We work for you. End of story.

We’ll work with you the way you choose and support you the way you need. We’re direct, honest and helpful.

We’re connected. Like, really connected.

We work with all of the major insurance companies in Canada, so we know the best products available and work to find the right solution for you.

Protect what you love from what you don’t love: the unexpected

What if your friend crashed your car?

You loaned your car to a friend, and they got into a fender bender. It’s ok, keep your friend. Your insurance can cover damage or bodily injury when your vehicle is involved, even if you’re not driving it.

What if you had no place to stay?

Your home was damaged and you couldn’t stay there while it was being repaired. Your coverage can include your living expenses while they fix your home, so you can rest easy elsewhere.

What if you accidentally wrecked your neighbour’s place?

A burst pipe or fire accidentally started in your rented apartment and caused damage to your neighbour’s unit. Your tenant insurance policy could provide liability protection for the damage caused to both you and your neighbour’s unit.

Coverage explained

Liability Coverage

Under a home insurance policy, this protects you if you are sued as a result of damage or injuries you accidentally caused. Under an auto insurance policy, this is mandatory to drive a vehicle. It provides financial protection for damage or injuries to another person or vehicle if you caused the accident.

Water Coverage

Water is a leading cause of damage for homeowners. Typically referred to as Overland Water Coverage, this optional coverage can cover damage that occurs when water enters your home due to a body of water overflowing like a lake or river, heavy rains, or rapid snowmelt. Something to keep in mind as severe weather patterns in Canada continue to increase.

Property Coverage

This coverage is often referred to as Contents Insurance and is included in a home insurance policy. It protects anything you own that you could pick up, pack and move with you to a new home. These items are even covered when they’re temporarily outside of your home, like in your car. You can usually choose the Contents Insurance coverage amount that makes sense for you.

Identity Theft Coverage

Identity theft typically occurs because the thief wants to use stolen personal information for financial gain. With this insurance, you protect yourself, your finances, and your reputation if someone steals your identity. Please note, if you deal with online transactions that require personal information, there’s always a risk. You will still need to safeguard your personal information online, but identity theft insurance removes some of the concern and hassle.

FAQ

Is home insurance mandatory?
Honestly, home insurance is not legally mandatory in Ontario and British Columbia. But, if you need a mortgage, it’s often required by the bank or lender to have home insurance and display proof.
Is car insurance mandatory?
Yes. In Canada, it’s the law. Anyone who owns or leases a vehicle must purchase insurance in order to drive that vehicle.
How do insurance companies decide insurance rates?
Insurance companies determine rates differently for different insurance products.

For home insurance, some factors that affect your premiums include: where you live, the replacement cost of your home, materials used to build your home, the age of your home and the coverages you need. Coverages can include personal contents coverage or optional coverage like increased limits for jewelry protection.

For car insurance, some factors that affect your premiums include: where you live, the type of car you drive, your insurance history, if you commute to work, and any optional coverages you select.

What do I do if I have to file a claim?
If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at 1-833-745-0299 and we’ll be here to help you navigate the situation, 24/7.
What is the value of working with an insurance Specialist?
Like we said, shopping for insurance is not fun. So think of us as your insurance partner. We’ll do everything we can to make getting the right coverage as smooth, simple and painless as possible. We know every insurance situation is unique, so we know the important questions and will learn about you to make sure your policy gives you the protection that you need.

We’ll also cut through the industry jargon to make sure you understand your policy, and help you navigate optional coverages to recommend additional options you may want or need. As your needs change, your insurance Specialist will help you update your policy to make sure you stay covered. 

An insurance Specialist is also aware of discounts offered by insurance companies and can recommend combining products to save you time and money. In fact, some insurance companies and their products are only available through an insurance Specialist. Bottom line? We can save you money too.

We love our clients.
Turns out, they love us too.

Not only are they knowledgeable, but best service ever!!

Gary E.

They offer excellent service and are quite fast in getting back to you when you have a request. Would highly recommend them if you are looking for a new insurance company.

RoseAnn L.

Get the right coverage

Smooth. Simple. Painless. That’s our goal when it comes to getting you the coverage you need.

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