Coverage Guides

Income replacement benefits (IRB) become optional in July 2026. We walk through how IRB is calculated, who actually needs it, and when it's safe to opt out.

Death and funeral benefits become optional in July 2026. The savings are small. The case for keeping them is surprisingly strong — here's why.

Statutory Accident Benefits (SABS) are the no-fault benefits every Ontario auto policy pays after an accident. This guide explains each category in plain English, so you know exactly what your policy covers.

Trip-length caps, age limits and pre-existing condition clauses are where card coverage quietly stops. How to read the certificate before you rely on it.

An Ontario auto policy is part statute, part shopping. This reference guide draws the line — the coverages every policy must include, and the ones that are yours to decide, with sources beside each claim.

Reinsurance costs reach premiums far from any fire zone. How catastrophe risk enters home insurance pricing, and how to read the risk lines on a policy.