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When to Contact Your Insurance Broker

Today’s blog post is the fourth and final in our series, “Properly Protecting your Home”. It is about keeping in touch with your broker throughout the life of your home to ensure it is adequately insured. We encourage you to explore our previous segments:

  1. Why to get home insurance and how to select the right plan
  2. How to save money on your insurance
  3. How to protect against water, cold weather, and theft.

As with the previous posts, we have solicited the expertise of Morison Insurance, Ontario’s Brokerage of the Year 2015-2016, to bring you this information. When you update your home or purchase new valuables, you need to upgrade your insurance to include these items. As you plan major changes, contact your insurance broker to discuss how to they will impact your premium. Call when:

  • You change, add or pay off your mortgage or if your mortgage is a line of credit.
  • You update your roof, heat, plumbing or electrical services.
  • You plan to finish the basement, add an addition or renovate.
  • You plan to start or already have a home-based business.
  • You add a monitored alarm system to your home.
  • Your dwelling becomes unoccupied or the occupants of the home have changed.
  • You rent out a part of your home to another family or boarder.
  • You install a woodstove.
  • You make a major purchase.


The key takeaway is to treat your insurance broker as an advisor for big purchases or renovations. Keep your broker informed to ensure you will be properly protected. The worst time to find out your insurance plan is out of date is after you have discovered damage and are making a claim. With that, we wrap up our series on properly protecting your biggest asset: your home. If you have questions about what you have read or how it applies to you, contact Kelly at Morison Insurance at 1-888-214-1929 or

Morison Insurance Brokers Ltd. offers tips and information for general informational purposes only, and it is not to be relied upon or used for any particular purpose. The information contained or referenced in these articles is not intended to constitute and should not be considered professional advice. The information does not serve as a substitute for the recipient obtaining such advice.