Roughley Insurance staff members cheering around a table while watching a Toronto Blue Jays game

What exactly is an insurance broker?

Roughley insurance brokers will discuss your needs, assess your risk level, and advise which coverage options will best protect you. As brokers, we work with multiple insurance providers to get you the right coverage at the right price.

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Escaping the Canadian cold this winter? Prepare your home first.

Are you are already itching to escape our Canadian cold to a warmer climate? The frigid temperatures that we can experience in Ontario can wreak havoc on your home, especially if your home is unoccupied. We want you to have the best memories that are not clouded by an unfortunate event at home while you are away this winter.

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Are you renting? You need insurance.

Are you renting? You need insurance. There is so much to think about and plan for such as where to live and what to bring. One thing that many new renters don’t think about is insurance… but that’s where we can help.

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Renting your pool? You need insurance.

Your home insurance policy will not cover you if someone is renting a part of your home if it has not been declared to your insurance broker. If you are not upfront with the usage of your home, you risk your policy not being renewed, or worse, an accident happening on your property and you not being adequately protected.

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Home Insurance mitigates risk on your greatest asset.

Imagine your investment of $425,000, along with your dreams, being burned away in a matter of minutes. Unfortunately, a Toronto couple experienced this first-hand. The couple’s in-progress cottage on Georgian Bay was destroyed in a matter of minutes due to a suspected...

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What Is Personal Umbrella Insurance?

Liability lawsuits are unpredictable these days. While home and auto insurance carry liability protection, they most likely aren’t designed to handle a big claim, such as permanent disability.

If you lose a lawsuit that results in a payment amount that’s larger than your insurance policy covers, the remainder will have to be paid out of pocket.

Umbrella insurance is a kind of personal liability insurance that takes over when the liability limit on your standard home, auto or other personal insurance policies is maxed out. You can acquire a policy for as low as $125 for the year.

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Winter driving – it’s coming whether we like it or not.

Most of us have taken a bit of a break from winter driving (thanks, COVID!), and it is easy to forget how treacherous it can be out there on the roads in bad weather.

Now that we are FINALLY able to travel during the winter to visit friends and family, it’s a great time to brush up on some winter driving best practices.

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Accident Benefits, Death and Funeral Benefits

Recently, accident benefit limits in Ontario were reduced. This means less coverage for you if you are injured as a result of an automobile accident. This applies to you whether you are a driver, a passenger, a pedestrian or a cyclist and whether you were at fault or not.

Many people aren’t aware that their auto insurance policy includes death and funeral benefits if death is a result of a motor vehicle accident.

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