Westlandinsurance

The short answer: yes. Your condo corporation’s insurance policy protects the building and common areas, but it does not cover your personal belongings, upgrades to your unit, your personal liability, or your share of the corporation’s insurance deductible if something goes wrong. A separate condo insurance policy fills that gap, and for most Toronto condo owners, it is not o...

One question comes up more than almost any other from renters in Toronto: doesn’t my landlord’s insurance cover my stuff? “It doesn’t. It only covers the building,” says Jared Melendez, a Renewal Retention Administrator with Westland Insurance. Everything a renter owns, their furniture, their clothes, their electronics, is on them to insure. It’s a surprise to a lot of people...

A teen driver should be added to the family auto insurance policy as soon as they get their learner’s licence, not once they pass their road test. In British Columbia, the Insurance Corporation of British Columbia (ICBC) requires every household member who may operate the vehicle to be listed as a driver, and waiting until a teen is fully licensed can leave a family exposed i...

Boat insurance isn’t legally mandatory in British Columbia the way car insurance is. But most boat owners end up needing it anyway, because marinas, lenders, and towing programs commonly require it even though the law doesn’t. The bigger risk most boaters miss isn’t the cost of the boat itself. It’s the liability exposure that comes with operating one.

Coastal home insurance costs more than similar homes just a few blocks inland, and proximity to the water is only part of the reason. Coastal properties carry a wider mix of risks, from storm exposure to salt air corrosion, and many homeowners are surprised to learn that key coverages like storm surge protection aren’t automatically included in a standard policy.