House Insurance in Ontario - Insurance Coverages and Exclusions

House Insurance in Ontario and car Insurance alike are spread out over a very broad insurance market. There are thousands of insurance brokers and agents working in Ontario. But, we all ask ourselves where do we go and why? The first insurance policies ever written or should I say agreed upon date back to the 1500's
It all started in the early 1500's when ship owners use to meet in London coffee houses where they selectively retained, shared, and transferred the cost of risks associated with their ships. In essence, these were often mutual or reciprocal arrangements, akin to today's insurance arrangements. But that is another story, I will be writing about.
For now the focus is House Insurance in Ontario. Decisions affect you and your family when it comes to insurance and that is why you need to choose your house insurance carefully.
How to find the best home insurance company to service your needs. Most times people like to combine their auto and house insurance together.
There are 3 standard methods to shop for insurance:
-local broker representing multiple insurance companies
-brokerage call center representing multiple insurance companies
-local agent or call center representing 1 company
Once you find out about the insurance company quoting you, take some time and research them by searching the internet or contact the Financial Insurance Services Commission of Ontario to find out more.
The choice is really up to the consumer depending on how they like to conduct their business. Some will be quite complacent shopping on line. If you choose this method and you are transferring your personal information, make sure that the page you are putting your info on is secured. Check your browser and the first 5 letters before www. should read https not http.