Auto insurance
Coverage for personal vehicles and household drivers, with options tailored to the vehicle and how it is used.
- Third-party liability
- Accident benefits
- Collision or upset
- Comprehensive protection
- Optional endorsements
INSURED BY BRARInsurance made personal.← Back to homePersonal insurance
Home and auto protection, made personal.
Your vehicle, home, belongings, and personal liability deserve coverage built around the way you live. I help Ontario clients compare practical options and understand what their policy is designed to protect.
Coverage options
Protection for the things that matter most.
Personal insurance can bring several types of protection together. The right choices depend on your property, vehicles, household, valuables, and comfort with risk.
Homeowners insurance
Protection for the dwelling, detached structures, personal belongings, additional living expenses, and personal liability.
- Building and replacement cost
- Contents and valuables
- Water-related options
- Additional living expenses
- Personal liability
Condo insurance
Coverage designed around the unit owner’s belongings, improvements, liability, and responsibilities under the condominium corporation’s policy.
- Contents
- Unit improvements
- Loss assessment
- Additional living expenses
- Personal liability
Tenant insurance
Affordable protection for renters’ belongings, additional living costs after an insured loss, and personal liability.
- Personal contents
- Temporary accommodation
- Personal liability
- Identity-related options
- Valuable articles
Cottages and seasonal homes
Coverage considerations for properties that may be seasonal, secondary, rented, or vacant for parts of the year.
- Buildings and structures
- Contents
- Liability
- Watercraft options
- Seasonal-use considerations
Valuables and recreation
Additional protection may be available for higher-value belongings and recreational property that need special attention.
- Jewellery and watches
- Fine art and collections
- Boats
- Snowmobiles
- Other recreational vehicles
What to consider
Important details beyond the basic policy.
A strong personal insurance review looks beyond price and considers how the coverage would respond when you need it.
Replacement cost
Review how the home and its contents would be repaired or replaced following an insured loss, including applicable limits and conditions.
Additional living expenses
Consider the costs of temporary accommodation and maintaining your household if an insured loss makes the residence unfit to live in.
By-law and rebuilding
Older properties may require additional work to satisfy current building codes after a loss. Available protection varies by insurer.
Liability protection
Personal liability can respond when you are legally responsible for certain bodily injury or property damage claims.
Valuable belongings
Jewellery, art, collections, and certain specialty items may need scheduled limits or separate coverage.
Bundle opportunities
Placing home and auto coverage together may simplify servicing and may qualify for available multi-policy discounts.
Who we help
Personal coverage for Ontario households.
Drivers and familiesHomeownersCondo ownersTenantsLandlordsCottage ownersMulti-vehicle householdsHigh-value homesNew home buyersClients reviewing a renewal
Coverage availability, limits, eligibility, definitions, exclusions, and policy terms vary by insurer and individual circumstances. I will review the applicable details with you before you make a decision.
Start your quote
Tell me what you need protected.
Choose the short form that fits your needs. Your answers will open in WhatsApp so you can review everything before sending it to me.
No obligation · Personal follow-up · Serving Ontario