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Personal Insurance Ontario

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Personal Insurance For Ontarians

Morison Insurance is your Ontario personal insurance specialist! We can provide insurance for your home, condominium, apartment, your cars, including your antique or vintage vehicle, seasonal or secondary properties, ATVs, boats and all of your other possessions. If you have it, we can insure it.

What is Personal Insurance?

There are numerous different varieties of insurance coverages, and one of the biggest and most encompassing types is personal insurance. Ontario residents are pretty much all covered by some kind of personal insurance, which includes mandatory coverages such as auto insurance.

So why is it so important to have personal insurance? Ontario is a peaceful, friendly place to live, but no matter how careful and diligent you are about protecting your property and bodily safety, sooner or later you'll experience a disastrous event such as a fire, flood, vehicle collision or theft that can take away what you've worked so hard to build in a flash. To add insult to injury, you could then be on the hook to pay for eye-watering costs associated with legal fees, settlement costs, medical expenses and property damage restoration if you don't have personal insurance. Ontario residents who are protected with the right combination of coverages to suit their lifestyle and unique needs can get financial assistance to recover from unexpected expenses that could be absolutely devastating without a helping hand from their personal insurance. Ontario, don't let an unfortunate event derail your financial goals and change the course of your life when you can have peace of mind knowing you won't have to pay out of pocket when something goes wrong.

Types of Personal Insurance Ontario Residents Can Get From Us

We offer a variety of personal insurance Ontario residents can benefit from, including:

What are the Categories of Personal Insurance in Ontario?

Because there are so many different kinds of personal insurance, Ontario residents naturally won't need all or even most of them. When you speak with the experts at Morison Insurance about your lifestyle and the perils that are most likely to affect you, we'll be able to recommend the right combination of basic and additional coverages for personal insurance. Ontario insurance brokers on our team are committed to finding you the best possible type of insurance policy at a reasonable rate.

Personal Insurance: Home

Home insurance is a type of property coverage that offers you financial compensation for certain types of damage and losses related to your residence when you have the right personal insurance. Ontario home insurance coverage generally pertains to your permanent residence. However, there are a number of other types of personal insurance Ontario residents can get to cover non-permanent residences and specific types of homes, such as:

  • Condos
  • Cottages
  • Duplexes, triplexes or fourplexes
  • Apartments
  • Secondary homes
  • High-value homes

Depending on how you choose to manage or operate your residential properties, you may also need landlord insurance, tenants insurance, first-time homeowners insurance or other types of home-related personal insurance. Ontario homeowners are proud of their properties and like to keep them looking and functioning at their very best, so it makes perfect sense to protect them with adequate home coverage.

Wondering what exactly is covered by your home-related personal insurance? Ontario homeowners will find that the coverage can vary quite a bit depending on how their individual policy is written. Basic home insurance typically includes coverage for the following:

  • Accidental damage
  • Damage caused by harsh weather and natural disasters
  • Water damage
  • Fire-related damage
  • Vandalism damage
  • Contents coverage (for damage to items and belongings inside your house)
  • Third-party bodily injury
  • Third-party property damage

However, there are additional coverages that you may wish to include if you live in an area or building that is especially prone to certain types of damage. For example, if you live in a known flood zone, it makes sense to look into overland water coverage on your personal insurance. Ontario homes with this kind of coverage are protected in the event of sudden flooding due to heavy rain, overflowing lakes or rivers, spring run-off and similar situations where water moves over land and causes damage to your house.

Personal Insurance: Auto

As we all know, auto insurance is mandatory in Canada—and that makes perfect sense because there's a lot that can potentially go wrong when you're out on the road and it's important to have the protection afforded by auto-related personal insurance. Ontario drivers can't account for problems caused by poor weather conditions, careless drivers on the road and much more, even when they are completely dedicated to cautious, defensive driving techniques.

Like other types of personal insurance, Ontario auto coverage varies depending on what is included on your specific auto insurance policy. At minimum, you need third-party liability, statutory accident benefits, direct compensation property damage (DCPD) and uninsured automobile coverage for your car or truck personal insurance. Ontario drivers who are involved in an at-fault collision and cause injury to someone else or damage to their vehicle are required to pay associated costs for medical care and damage restoration, and may also need to pay legal defense fees and settlement costs if they are successfully sued. But with auto-related personal insurance, Ontario residents can get significant financial relief from those obligations and recoup costs up to the limits on their policy.

Personal Insurance: Life

Most people don't enjoy thinking about what will happen when they pass away, and that's very understandable. It's an uncomfortable topic, so it's natural to want to avoid it—but taking that route can have unexpected, financially devastating consequences for the family members you leave behind when your time comes. With the right life insurance policy included in their personal insurance, Ontario residents can sleep easily at night with the knowledge that their family will not suffer undue financial stress in addition to grieving a loved one.

There are essentially two types of death benefit or life-related personal insurance, that Ontario residents should consider: term life insurance, which provides coverage for a specific period of time (usually 10, 20 or 30 years) at a fixed premium, and permanent life insurance, which provides lifetime coverage at a level cost.

Personal Insurance: Recreational

It's not all about getting from point A to point B—sometimes you've just got to cut loose and do something purely for the fun of it, and naturally, that fun also needs coverage from personal insurance. Ontario is blessed with an abundance of natural beauty, and if you like to get out and explore nature with a recreational vehicle such as an ATV, snowmobile, boat, RV or travel trailer, you should have the protection of recreational personal insurance. In fact, recreational coverage is mandatory in many scenarios, such as riding an ATV or snowmobile on public trails.

Personal Insurance: Contents

Protecting your home with the right Ontario personal insurance is, of course, very important—but what about all the expensive and/or nostalgic belongings you have in your house or travelling around with you? Home insurance does usually offer some basic contents protection, but if you have valuable items to protect, there may not be sufficient coverage on standard personal insurance. Ontario homeowners, imagine coming home one day to find your front door ajar and the inside ransacked for anything of value. Not only would it be heartbreaking on a personal level, but you would also need to contend with the reality of replacing everything that was lost. With contents coverage on personal insurance, Ontario homeowners can get financial support from their insurance provider to cover the cost of replacing those items, up to the limits listed on their policy.

Personal Insurance: Travel

If you've been bitten by the travel bug, you probably can't wait to grab your suitcase and head off on your next big adventure—but that can be very risky without adequate travel-based personal insurance. Ontario residents who are planning a trip should take the time to look into travel coverage that can make all the difference if you find yourself stranded in a foreign country without money or identification, or worse, suffer an injury or illness and need medical attention, the costs can be difficult to cope with when you don't have travel personal insurance. Ontario travellers with the right coverage have no need to worry and can enjoy their travels stress-free.

Is It Best to Bundle Personal Insurance Coverages?

Yes, it is usually preferable to bundle home, auto and other types of personal insurance. Ontario residents who choose to bundle their insurance with a single insurance provider can better maximize their discounts to get a lower rate on their overall insurance package. There are a number of insurance companies in Ontario that offer a wide range of personal insurance coverage, and your Morison Insurance broker has the experience and skill to find the ideal package for your particular Ontario personal insurance needs.

Who is Eligible for Personal Insurance in Ontario?

The eligibility requirements vary widely according to the specific type of personal insurance. Ontario professionals at Morison Insurance are well-versed in the eligibility criteria for a wide range of insurance products. When we have the opportunity to speak with you and find out more about your life and unique insurance needs, we will be able to recommend the best policy additions based on your particular eligibility criteria.

How Much Personal Insurance is Recommended?

A common question we hear is "how much insurance do I need?" The amount of personal insurance Ontario residents need depends largely on their unique circumstances. That being said, our experts typically recommend a minimum of two million in personal liability insurance. Ontario residents may require significantly more than that should they be exposed to certain perils. At Morison Insurance we personalize your insurance to fit your needs and your budget. We provide peace of mind.

Are There Discounts for Personal Insurance Ontario Residents Can Access?

With the many options that Morison Insurance can provide there are many ways to save. We offer many discounts such as family discounts, mature-age discounts, seniors discounts, multiple policy discounts, retirees, non-smokers and alarm systems to name just a few. Find out more about potential home insurance discounts and auto insurance discounts you may be eligible for. If you combine your home and auto and other policies with the same company, you can save even more. Morison Insurance offers easy monthly payment plans, some without a service charge or with reduced service charges.

Where Can I Get a Quote for Personal Insurance?

For all needs related to personal insurance, Ontario residents can call the team of experts at Morison Insurance to get a quote today. As a family-owned and operated business, we are dedicated to treating our clients like members of our extended family. We'll work tirelessly to track down the best personal insurance options for you and make sure all your insurance processes are smooth and hassle-free.

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