When it comes to personal coverage, there is a lot to consider. The vehicle you drive, the house you live in, and the way you spend your free time all have an impact on the type of coverage that’s best for you. Explore our options and discover the options that work best for you and your lifestyle.
Automobile insurance is a necessity for every car owner in Ontario. At Warner Insurance Brokers we recognize that no two drivers are alike. We consider numerous variables to determine the right policy and coverage to match your driving experience and lifestyle. As your life changes, so may your insurance needs and our insurance experts are equipped to find the best automobile insurance coverage at an affordable price.
Our range of automobile insurance products includes:
- Automobile Insurance
- Classic Automobile Insurance
- High Risk Automobile Insurance
- Commercial Automobile Insurance
- Vacation Trailers
- All Terrain Vehicles
We love cars! Especially the classics! If you gave your car a name you need to remember ours. Our rates are significantly lower than companies that insure your regular use vehicle.
We have a broad range of companies that specialize in classic automobiles. We have special programs for Antique, Classic, Hot Rod and Custom vehicles 20 years of age or older. Our coverage is geared to the collector. We offer an agreed value policy. In the event of a covered total loss, you will receive the full amount for which you insured your vehicle less any deductible.
HIGH RISK AUTO
At Warner Insurance we understand that people get traffic tickets, have accidents, and that things happen. We don’t use that as an excuse to give you inferior service. We pride ourselves on helping you get back on track with your insurance and will help you chart out a plan based on your history and needs.
If you own an ATV, you are required by law to insure it. However, there are exceptions to the requirement to carry insurance. You can often add insurance for these vehicles to your automobile policy.
If you are 16 years of age or older, to drive a snowmobile across a road, on roadways, and on trails, you must have a valid driver’s licence, motorized snow vehicle operator’s licence, or a licence from another jurisdiction.
If you are 12 years of age or older, to drive a snowmobile on a trail, you must have a valid motorized snow vehicle operator’s licence, or a licence from another jurisdiction that allows you to drive a snowmobile.
For snowmobiles, insurance is not required while the snowmobile is being driven on the private property of the snowmobile’s owner.
MOTORHOMES & VACATION TRAILERS
A camping vehicle can be lots of fun in the summertime. The purpose of recreational vehicle insurance is to protect yourself and your travel trailer from financial and other losses that may result in the event of an accident or other unforeseen event.
Motorcycles come in all shapes and sizes and not all of them are easily insured. However, our experienced brokers are ready for the challenge. When you are ready to ride, give us a call and we will help you.
One of the most important investments people ever make is purchasing a home. That is why it is just as important to protect your home with a homeowner’s insurance package suited to your individual needs.
Your policy will provide the protection you need for:
- Your home
- Other buildings or structures on your property
- Your personal belongings – furniture, clothing, appliances, etc.
- Additional living expenses
- Your personal legal liability
We’re local homeowners too. We understand what you need to properly insure your home and sleep worry-free knowing that your insurance is there for you.
Homeowner’s insurance is provided as a “package” of coverage to protect your home, detached private structures, contents and additional living expenses. It also provides liability protection.
Homeowner policies are designed to cover the various risks of a home owner in one package policy. It is a very flexible product and the three option types available are generally referred to as standard, broad and comprehensive. The standard product provides coverage for the basic perils of fire, explosion, water escape from a plumbing appliance and theft. The comprehensive or “all risk” coverage on both building and contents includes sewer backup with broader limits for such items as jewelry, furs, money, silverware and watercraft. All homeowner insurance forms provide personal liability coverage in the package.
Did you know that if you are a renter you are responsible for protecting your personal property and providing personal liability coverage in the event you cause personal injury or damage to others? When it comes to your personal belongings, renters should make sure that jewelry and collectibles are adequately covered. Tenant’s policies, while not mandatory, are now being included as part of the lease requirements by landlords of the property being leased to the tenant. A tenant package policy is designed to protect the tenant’s personal contents and personal liability, including the tenant’s legal liability for damage that is done to the landlord’s building or other tenant’s personal property as a result of tenant negligence, such as a careless smoking, cooking, or a water damage claim.
Condominium policies are designed to protect the unit owner for all interior damage to the unit itself against all risk perils. In addition, it provides protection for personal contents, betterments and improvements made to the unit from the date of original construction, special assessments levied by the condominium corporation from an insured peril loss, and unit owner contingent coverage for the owner in the event of a shortfall or lapse of coverage under the condominium master unit building policy. All condominium package policies include personal liability coverage in the package.
Many current and future landlords have questions about protecting their rental property and getting the right insurance to make sure they are ready for any potential problems down the road. Landlords need to protect themselves and their properties from the many perils that may present themselves. Contact us for a quote today!
Make sure you enjoy every moment of Canada’s warmer seasons! We can provide insurance for your cottage or seasonal residence, depending on the location and frequency of use. Is your cottage more like a “home away from home”? Then your insurance needs may go well beyond the limited coverage typically available for cottages. We have policies that provide the same level of protection as a policy for your home. You can add specific coverage for boats, motors, utility trailers, and also increase your liability coverage to protect against the hazards of waterfront exposure.
The demand for environmentally friendly energy, products and services is strong and growing. In renewable energy, these include, but are not limited to: Solar panels, geothermal, and hydro power. We have experience in all of these fields and can help you determine your insurance needs and obtain the appropriate coverage for you.
Boating is a lifestyle you’ve worked hard for. But when your boat breaks down in the middle of your holiday, it shouldn’t ruin your vacation. Insuring your watercraft may seem like an extra expense but if something goes wrong, that insurance will get you back on track. You worked hard to enjoy your time on the water, so you should consider buying a separate insurance policy for the boat or add it to your homeowner’s policy. Let us help you find the right policy to suit the needs of your boating lifestyle.