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Many Canadians run businesses from their homes these days – whether it's a full-time gig employing more than one person or a hobby turned part-time job in the hopes of making some extra money on the side. Do you know if your home-based business is covered by your homeowner's insurance policy?

The wildfire season can be an incredibly traumatic time. By taking some simple precautions ahead of time, you can protect your family and your home. Have a plan in place for your family should wildfires threaten your home. Here are some tips to help protect your home:

There are many Agencies and Brokerages to choose from that offer insurance, but not all companies are alike. Below are 5 questions you should ask when getting insurance.

Our Insurance expert, Nicole, shares her thoughts on the importance of holding an insurance policy.

Whenever someone asks me about the importance of insurance, a story always comes to mind.

When I first started in insurance, I was training with a group. One woman, when asked about her understanding and history with insurance, related a story that still resonates with me today.

Just when you thought mortgage rule changes were done for now, here comes another round.  While these ones are directed at mortgage insurers (CMHC, Genworth and Canada Guaranty) rather than borrowers, there's a strong chance that consumers will suffer collateral damage from these changes.

Home insurance policy provides coverage for five main areas:

• The primary dwelling/building
• Other Structures such as storage sheds and detached garage
• Personal property
• Loss of use (if the dwelling is uninhabitable due to damage)
• Personal Liability (if your negligence caused injury to a person or his property)

The home policy is generally an “all perils” type of coverage that includes damage due to fire, theft, wind, hail, hurricanes, water and sewer backup. Earthquake is available for extra premium.

The policy provides replacement cost for both building and contents.