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Home Insurance in Hamilton can vary from one insurer to the next, so it’s important to select a policy that suits your specific needs. Home insurance covers the dwelling, contents, and personal liability of you (the policyholder), your spouse or partner, and your children.

For most people, their home is their single most prized and valuable possession. This is why it is so important to make sure you protect it with the appropriate home insurance in Ontario. Make sure you understand what type of home insurance coverage you are buying, who or what is covered, exclusions, policy limitations, how much coverage is provided and how to report a loss or claim.

Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country.

Today, we know that distracted driving is now the leading cause of road fatalities, surpassing impaired driving and continuing to rise year-over-year across provinces.

Lane departure warnings. Automatic emergency braking. Backup cameras. Drivers today have more technology than ever to help avoid collisions. But still, there continues to be a concerning number of traffic fatalities on our Canadian streets and highways. In 2015, 1,858 Canadians died in traffic collisions, according to Transport Canada.

If you’re a young driver between the ages of 16 and 24, looking to insure your first car, you probably already know that you face some of the highest car insurance premiums around. Insurers base the price of Insurance for Young Drivers premiums on lots of different factors:

When you have inexperience, no previous Canadian driving or insurance history working against you, the cost of insurance can skyrocket. A good driving record and claims history are the most important personal factors that contribute to low cost insurance premiums and of course these are things that a first-time insurance buyer can’t rely on. There’s good news in that a driver’s history is not the only factor insurers rely on to calculate premiums.

Telematics is literally a combination of the words Telecommunications and Informatics. Telematics, in a broad sense, is any integrated use of telecommunications with information and communications technology. It is the technology of sending, receiving and storing information relating to remote objects, such as vehicles, via telecommunication devices. Basically, telematics is a crash-resistant black box that receives wireless information, information more advanced than broadcast radio, and does something useful with it.

Winter is fast approaching, so make sure you are prepared with the right Winter Tires this season. Farmers’ Almanac predictions point to some snow and cold conditions in mid-November in the Northeast, Great Lakes, and Midwest.