Blog

Broker vs Direct Writer. What is the difference?

Published on July 2, 2019

Summertime is upon us, and in insurance, that means a large percentage of peoples home coverage is coming due for renewal. While many Manitobans put their trust in an insurance broker for their insurance needs, many go with a direct insurance provider such as through a bank, The Cooperators or even credit unions. But do you know the difference between choosing to place your insurance with a broker...

The Importance Of Clearing The Snow Off Your Roof

Published on March 11, 2019

Once winter hits, shovelling off your roof is one of the last things on your list to do, as shovelling the driveway can be bad enough. Clearing your roof used to be a nearly impossible job as it involved going right onto the roof. In recent years the snow rake has become more popular and easy to find in stores and makes clearing the snow an easier task.   Both business owners and homeowners should...

Distracted Driving Law Changes

Published on November 1, 2018

Effective November 1st, the distracted driving laws have changed in Manitoba. Previously if you were caught using your electronic device you would receive a $203 fine and five demerits. If you’re caught now you will receive a $672 fine, 5 demerits and a three day suspension of your drivers licence. For a second offence within 10 years, you will receive a seven day suspension. After each suspension...

The Importance Of Winter Tires

Published on October 18, 2018

Winter is just around the corner which means it’s time to think about winter tires. Many more people have opted to purchase winter tires since the introduction of the MPI Winter Tire finance program. A few years ago MPI started offering monthly payments on qualifying winter tires for up to 4 years at an interest rate of prime, plus two percent. You can finance up to a maximum of $2,000 per vehicle...

Top 5 Reasons You Need Tenants Insurance

Published on September 21, 2018

While tenants insurance isn’t mandatory in most apartments or rental situations, it should be at the top of your list of things to do when renting. Often renters think that insurance is either too expensive or the building owner might have insurance that will protect them, but unfortunately that isn’t the case. The building owners insurance policy is only there to protect their building and their ...

Important Safety Tips For Cycling Safety

Published on September 5, 2018

Every year the amount of cyclists on the road tends to increase as more people are biking to work and biking recreationally. It’s important that both the cyclists and motorists use caution when sharing the roadway and show each other mutual respect. In Manitoba, on average four cyclists are killed per year while 100 cyclists are injured.  It is recommended that motorists leave a one-metre distance...

Does Your Boat Insurance Policy Cover Zebra Mussels?

Published on August 22, 2018

As you likely already know, Zebra mussels have become a growing problem in Manitoba. Zebra mussels are D-shaped, fingernail-sized mollusks with light and dark brown stripes. Unlike other mollusks, they have hair-like filaments called byssal threads which they use to attach themselves to hard surfaces such as boats, docks, water-intake pipes and even the shells of other mussels. Zebra mussels are a...

Is Your Insurance Policy Right For You?

Published on August 2, 2018

There’s no “one size fits all” insurance policy, so it’s important that you understand your policy. Whether it’s the limit of coverage on your home or property or if you have broad or comprehensive coverage, these are all items you should know and understand. What’s Your Coverage? Do you have comprehensive or broad coverage? It’s important for you to know the difference between the two. Comprehens...

What Is Service Line Coverage?

Published on July 27, 2018

Service line coverage is a newer coverage that will pay for the repair or replacement of exterior underground water and sewer piping, electrical service lines and data lines that fail or are accidentally broken and that are owned by the homeowner. Often homeowners don’t realize that the outdoor service lines between their home and the street are owned by them. This coverage will fill the gap in th...

Safety Tips For Your ATV

Published on July 19, 2018

Summer is in full swing and that means everyone is out enjoying the sun. Manitobans love to spend their summers riding ATV’s and safety should always be a priority while doing so. It’s recommend that you do a pre-ride and post-ride inspection of your ATV before and after every ride. Below is a comprehensive list of what should be inspected. With the ATV turned off, check the following: Is the manu...