Chantel at Myinsurancebroker

02/14/2026

02/03/2026

🚗 Been in a car accident and not sure what to do next?
We’ve got you covered.

Check out our Ontario Car Accident Guide with simple, step-by-step advice to help you stay calm and organized 👇

What to do after an accident:
1️⃣ Check for injuries → call 911 if anyone is hurt
2️⃣ If damage looks over $5,000, reporting is required
3️⃣ Exchange info (license, insurance, plates, contact details)
4️⃣ Take photos → vehicle damage, full scene, road & weather conditions
5️⃣ Save dashcam photos/videos immediately
6️⃣ Report to a Collision Reporting Centre (if required)
7️⃣ Contact your insurance company ASAP for repairs and a rental

✔️ Simple steps
✔️ Less stress
✔️ Better outcomes

Stay informed. Stay protected.

12/17/2025

What’s the most confusing part of your insurance right now? 🤔
Deductibles? Copays? Coverage you thought you had?

You’re definitely not alone, insurance can be overwhelming. If you ever hear someone struggling to understand their coverage or options, feel free to send them my way. I’m always happy to help break things down and make it make sense.

12/17/2025

Join Wawanesa's Drive Change program and start saving right away 🚗💸

✔️ Instant savings – Get 10% off just for enrolling, plus an extra 5% activation discount for your first year when you sign up.

✔️ Quarterly discounts – Every 90 days, your discount is updated based on your driving habits tracked through the Drive Change app. Safe driving could earn you up to 25% off.

✔️ They recognize your history – If you were in a similar program with your previous insurance company, they’ll honour your existing discount up to 20%.

👉 Message me today or comment below to get a quote and see how much you could save!

12/02/2025

Ontario Drivers Are Feeling the Pinch…

If your auto insurance just went up, even though you haven’t had an accident or ticket, you’re definitely not alone. Premiums across Ontario have climbed again this year, and many people are seeing increases of hundreds of dollars at renewal.

Why?
• Repair and parts costs keep rising (today’s cars are expensive to fix).
• Auto theft rates are still driving up claim costs.
• Fraud and staged collisions continue to affect everyone’s premiums.
• Injury and liability claims have become more expensive over time.

The result? Even “safe” drivers are paying more, and many are being forced to raise their deductibles or cut optional coverage just to keep costs manageable.

It’s becoming a major cost-of-living issue, especially for young drivers, commuters, and anyone already stretching their budget.

Ontario’s auto insurance system clearly needs attention… but for now, we’re all feeling it.

11/28/2025

Before you assume your home insurance has you fully protected, here are a few common gaps many Ontario homeowners don’t realize exist:

1️⃣ Overland Flooding
Water entering your home from overflowing lakes, rivers, or heavy rain isn’t usually included. You typically need an optional overland flood endorsement.

2️⃣ Sewer Backup
Damage from a backed-up sewer, septic system, or sump pump often requires separate add-on coverage.

3️⃣ Earthquakes
Yes—Ontario can experience small earthquakes, and standard home policies generally exclude earthquake damage unless you add coverage.

4️⃣ Home-Based Business Losses
Running a business from home? Your equipment, inventory, and liability might not be covered without proper business-use add-ons.

5️⃣ Wear and Tear / Maintenance Issues
Things like aging roofs, mold, gradual leaks, or pest damage are considered maintenance and usually not insured.

🔍 Tip: Every insurer is different, so it’s important to review your policy and consider optional coverages that fit your needs.

💬 Have questions about your coverage gaps? Give me a call, I'm here to help you understand your options.

11/27/2025

🚗❄️ Winter Tire Tip ❄️🚗
Did you know that in Ontario, having winter tires on your vehicle can sometimes help lower your auto insurance premiums?
Why? Because insurers recognize that winter tires improve traction, reduce braking distance, and lower the risk of accidents on icy or snowy roads. Fewer accidents mean less risk for the insurance company, and potential savings for you.
👉 Pro tip: Make sure your tires are marked with the mountain snowflake symbol to qualify, and let your insurance provider know once they’re installed.