Insurance blog · Reasons to buy
Reasons to buy or review your insurance
Some moments call for a quick insurance check: a new home, a new driver, a new car, or a change in the rules. Pick the one that fits your situation. Each page explains what to know and how Frank can help, in English or French.
Every page is also available in French. Use the FR button at the top of any page.
Life events
Buying a home? Get insurance sorted before closingYour lender and lawyer need proof of home insurance before closing. Get it sorted early.See the page →New to Ontario? Your first car insurance, explainedHow Ontario car insurance works, how your driving experience from abroad can count, and what to bring.See the page →New baby or new home? Compare your life insuranceThe bank’s mortgage insurance vs. personal term life: who gets paid, and what happens as the balance drops.See the page →Moving in together? Combine your insuranceTwo households, one home: combine policies, update drivers and check for bundle discounts.See the page →Renting in Ottawa? Protect your thingsTenant insurance for renters and students: your belongings, your liability and a place to stay.See the page →
Car insurance
Ontario changed your auto accident benefitsMost Ontario accident benefits became optional on July 1, 2026. What to check before you renew.See the page →Best in October and NovemberWinter tires on? Get the discountOntario insurers must offer a winter tire discount. Make sure yours is on your policy.See the page →Best after the school year and in summerYour teen just got their G2?Your teen got their G1 or G2? How to add them without a bigger jump than necessary.See the page →Strongest heading into winterDelivering with your own car?Delivering or driving passengers with your own car? Make sure your insurance knows.See the page →Cancelled or not renewed? Don’t drive uninsuredGot a cancellation or non-renewal notice? You have a deadline. Get help finding coverage.See the page →Buying or leasing a car? Insurance firstYou need proof of insurance to register and drive off the lot, and leases have their own rules.See the page →
Home and property
Home and auto together: one review, two policiesOne review for both policies. Many insurers offer a discount when home and auto are together.See the page →Running a business from home? Check your policyHome policies usually give limited business coverage and no business liability. Check yours.See the page →If a pipe bursts upstairs, who pays for your unit?The building’s policy leaves out your belongings, upgrades and liability, and its deductible can land on you.See the page →Your home policy may not cover your tenantsA regular home policy may not properly cover a rented home or basement unit. Check before a claim.See the page →
En français
Not sure where to start?
Send a short request and Frank will call you. No obligation, and nothing changes without your approval.
General information, not advice. Frank Tereraho is a licensed insurance broker (RIBO) affiliated with InsureU Brokers Inc., Ottawa. Savings are not guaranteed.