The Most Common Holiday Scams to Watch Out For

December 26, 2025
Agent7

The holiday season is meant for celebration, generosity and connection. Unfortunately, it is also one of the busiest times of year for fraudsters. As people shop online, ship gifts, donate to charities and travel more often, scammers take advantage of the increased activity. Cyber threats also spike during winter, putting both your personal information and […]

How to Know if You Really Need Insurance

December 25, 2025
Agent7

Deciding whether to take out an insurance policy is not just about checking a box. It is about weighing what you own, what you owe, and what you stand to lose. Whether it is your car, home, health, or other assets, understanding your risk level helps you determine if coverage is worth it. Insurance becomes essential […]

Charitable Giving and Insurance: How Donations Impact You at Year End

December 24, 2025
Agent7

The holiday season inspires generosity. Many Canadians choose December as the time to give back to causes they care about, whether through financial donations, volunteer work or gifting items to local charities. While most people give simply because it feels good, there can also be meaningful financial benefits that support your long term planning. Charitable giving […]

Customer and car dealer discussing documents and car keys, representing the decision between leasing vs financing a car.

the Best Option for Canadian Drivers

December 23, 2025
Agent7

FactorLeasingFinancingOwnershipYou don’t own the vehicle (unless you buy it at lease-end)You own the car once the loan is paid offMonthly paymentsLower, because you pay only for depreciationHigher, because you pay for full valueDown paymentUsually smallerOften larger (5–20%)Kilometre limitsYes (exceeding costs extra)No restrictionsWear and tearMust meet strict lease return standardsYour responsibility but no penaltyEnd of termReturn […]

Winter Storms and Your Travel Insurance

December 22, 2025
Agent7

Winter travel can be unpredictable, especially during the busy holiday season. Snow, freezing rain, high winds and sudden temperature drops can disrupt even the most carefully planned trips. While you cannot control winter weather, you can control how well you are protected when delays or cancellations happen. This is where travel insurance becomes especially important. Let’s […]

Water Damage Prevention: Smart Steps to Protect Your Home

December 21, 2025
Agent7

Water damage can strike unexpectedly- from burst pipes in a cold snap, to a leaky roof after heavy rain. Yet with a few simple, proactive habits, you can often avoid stress, expensive repairs, and the headache of dealing with insurance claims. Here are 9 ways to help safeguard your home against water damage year-round. 1) Inspect […]

What to Pack in Your Emergency Car Kit This Winter

December 20, 2025
Agent7

Ontario winters can be unpredictable – one day it’s mild and manageable, and the next you’re stuck in whiteout conditions wondering why you didn’t bring an extra pair of gloves. A well-stocked emergency car kit isn’t just a good idea; it’s one of the smartest safety steps you can take as a driver. Whether you […]

Why You Should Think Twice Before Cancelling Winter Motorcycle Insurance

December 19, 2025
Agent7

When the cold weather arrives and the bike goes into storage, many riders wonder if they should cancel their motorcycle insurance for the winter. It might seem like a smart way to save money, but cancelling your coverage can create bigger risks and potential costs that most riders never consider. From theft to fire to […]

Does a Hit and Run Increase Your Insurance Premium?

December 18, 2025
Agent7

Few things feel more frustrating than discovering damage to your vehicle and realizing the driver responsible is long gone. Hit-and-run incidents can happen anywhere. Parking lots, driveways, side streets, or during an unexpected bump at a stoplight. And the question most drivers want answered is whether their insurance premium will increase after something like this […]

Thinking About a Wood or Gas Stove? Read This First

December 17, 2025
Agent7

Wood and gas stoves are back in style. Many homeowners are turning to them for the charm, the cozy aesthetic, the nostalgic winter atmosphere, and the appeal of having a reliable heat source during colder months. Whether used as a primary heater or a supplementary feature, these stoves offer warmth, efficiency, and ambiance that modern […]