Clear, unbiased guidance for Canadian individuals, homeowners, drivers and business owners. Decode policy exclusions, benchmark premiums and plan coverage with confidence.
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A fast rule of thumb (10× income). The full calculator adds your mortgage, debts and education costs.
Add up the replacement cost of your belongings and avoid condo deductible-assessment gaps — crucial where water deductibles are high.
See the CGL, E&O, property and cyber coverage typical for your type of business — and what it might cost.
Travel & visitors
9 min read
A Super Visa lets parents and grandparents stay up to five years at a time but requires private medical insurance, a medical exam and proof of the host's income. A visitor visa is simpler, but most stays are capped at about six months and insurance is optional.
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Auto insurance
10 min read
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.
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Travel & visitors
8 min read
Outside Canada, OHIP pays only set daily amounts for sudden emergencies, such as up to $400 a day for intensive care, and you need at least 153 days in Ontario in any 12-month period to keep it. Here are the 212-day rule, the two-year extended absence, prior approval and a worked US hospital bill.
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Travel & visitors
9 min read
A Super Visa lets parents and grandparents stay up to five years at a time but requires private medical insurance, a medical exam and proof of the host's income. A visitor visa is simpler, but most stays are capped at about six months and insurance is optional.
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Auto insurance
10 min read
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.
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Travel & visitors
8 min read
Outside Canada, OHIP pays only set daily amounts for sudden emergencies, such as up to $400 a day for intensive care, and you need at least 153 days in Ontario in any 12-month period to keep it. Here are the 212-day rule, the two-year extended absence, prior approval and a worked US hospital bill.
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Health & living benefits
12 min read
OHIP covers medically necessary doctor and hospital care, but not most prescriptions filled at a pharmacy, dental work in a dentist's office, glasses, most adult eye exams or most physiotherapy, massage and chiropractic care. Here's a 25-service table and the public programs and private plans that fill the gaps.
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Health & living benefits
10 min read
Critical illness insurance pays a lump sum for a defined list of conditions, led by cancer, heart attack and stroke. Comprehensive Canadian plans we reviewed list 24 to 26 conditions, and many pay a partial benefit for early-stage illnesses.
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Life insurance
10 min read
Simplified issue asks a few health questions and pays the full benefit once you're approved. Guaranteed issue asks none, but caps cover and usually limits the payout for two years. Accelerated underwriting skips the exam if you're healthy. Here's how to tell which one you may qualify for.
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Travel & visitors
11 min read
Most provincial and territorial health plans let you be away for about six to seven months a year, but each one counts days differently and pays little for care abroad. Here's the 13-row table of time-away limits, extended absences and out-of-country payments, plus a snowbird checklist.
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Health & living benefits
9 min read
For a 35-year-old, Instasure's model estimates a mid-tier health and dental plan at $92 a month for one person, $175 for a couple and $221 for a family, as of October 2026. Here's how age, plan tier and your province change the picture, and when a plan pays for itself.
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Life insurance
9 min read
Death benefits paid to a named beneficiary are generally tax-free in Canada. Tax can apply when you surrender or borrow against a permanent policy, when interest is added to a payout, and when an employer pays the premiums.
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Life insurance
9 min read
Funeral insurance is a small permanent life policy with level premiums. When you die, the insurer pays your beneficiary a tax-free lump sum to cover the funeral and final bills. Here's how it works, what it costs by age and how a claim is paid.
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Home, condo & tenant
9 min read
High-risk home insurance covers homes that standard insurers decline or won't renew, usually because of past claims, older wiring or heating, vacancy, flood exposure or how the home is used. Here are the 10 common reasons, what insurers ask for and the fixes that reopen standard markets.
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Home, condo & tenant
8 min read
A standard home policy in BC doesn't cover earthquake shaking. You add an earthquake endorsement with a percentage deductible, and strata owners also share their building's earthquake deductible. Here's the math, and who should add it.
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Auto insurance
8 min read
No regulator publishes a North York average. Instasure estimates Toronto car insurance at $214 a month ($171 to $266) for an example 40-year-old driver with a clean record, as of October 2026. FSRA's GTA average was $2,868 a year for the 12 months to June 2026.
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Home, condo & tenant
9 min read
Home insurance is going up because severe weather, rebuilding costs and water claims keep pushing insurers' claim bills higher. Quoted property premiums rose 5.8% nationally in Q2 2026, led by Alberta at 11.9%. Here's the province breakdown and a renewal checklist.
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Travel & visitors
10 min read
Many Canadians with a heart condition, diabetes, COPD or a cancer history can buy travel insurance, but a condition is covered only if it meets the policy's stability rules. Here's how insurers decide, what they typically ask, and what to do if you're declined.
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Life insurance
8 min read
Lender mortgage life insurance is priced as a monthly rate per $1,000 of the amount you borrow, set by your age band when you apply. Here is a worked example with CIBC's published rates next to Instasure term life estimates, and how to check your own numbers.
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Home, condo & tenant
8 min read
A homeowner policy is written for a home you live in. Rent out the whole property and you usually need a landlord (rental dwelling) policy; rent a suite in your own home and your insurer may adjust your home policy once you tell it.
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Claims & provincial rules
6 min read
What you get in 60 seconds online is usually an estimate, not an instant insurance quote. Here's how estimates, quotes and bound policies differ, how our model works, and which purchases you can finish online in Canada.
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Home, condo & tenant
9 min read
Instasure's model puts tenant insurance at about $20 to $26 a month across the provinces for one example renter ($30,000 of contents, $2 million liability), as of October 2026. Here's the province and city table, what moves the price and how to set your limits.
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Home, condo & tenant
9 min read
Instasure's model puts condo insurance at about $32 to $42 a month in eight major Canadian cities for one example owner, as of October 2026. Here's the city table, how coverage level and deductible assessment change the price, and how to pay less.
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Business insurance
8 min read
For a $2 million limit, Instasure's estimate tool puts general liability (CGL) cost at $386 a year for an example consulting firm and $1,924 for an example restaurant, as of October 2026. Here's the full table by limit and business type, and what moves your price.
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Business insurance
9 min read
For an example consultant with $150,000 in revenue and a $2 million limit, Instasure's model estimates E&O packaged with general liability at $1,170 to $2,030 a year, as of October 2026. Here's the table by profession, limit and revenue, and what moves your premium.
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Home, condo & tenant
7 min read
Usually, yes: the personal liability section of a home, condo or tenant policy responds when your dog injures someone else, up to your limit. Ontario's Dog Owners' Liability Act makes owners liable without proof of fault, so the province you live in matters too.
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Health & living benefits
9 min read
For a 40-year-old non-smoking man in a professional job with a $5,000 monthly benefit, Instasure's model estimates $140 to $218 a month, as of October 2026. Here's how age, occupation, the waiting period and riders move that number.
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Life insurance
9 min read
The CPP death benefit is a one-time, taxable payment of $2,500, with a possible $2,500 top-up for deaths since January 1, 2025. Here is who qualifies, who applies, and how much of a funeral it really covers.
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Business insurance
9 min read
For a solo trade contractor in Ontario with $150,000 in revenue and $2 million of liability, Instasure's model estimates about $136 to $236 a month, as of October 2026. Here's how crew size, limits, your trade, claims and tools move the price.
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Travel & visitors
8 min read
To compare Super Visa insurance well, put every quote on the same coverage, deductible and pre-existing option, then check the wording: IRCC compliance, stability rules, deductible basis, refunds, side trips, renewal and where to complain.
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Health & living benefits
8 min read
If you offer dental in any form, including employee-paid dental or a health spending account that covers dental, your staff generally can't use the Canadian Dental Care Plan, even if they waive your plan. Here's how the access rule works and how to decide.
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Auto insurance
7 min read
No regulator publishes a Scarborough average. Instasure estimates Toronto car insurance at $214 a month ($171 to $266) for an example 40-year-old driver with a clean record, as of October 2026. Here's how your postal code, record and car move that figure.
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Health & living benefits
9 min read
You qualify for the Canadian Dental Care Plan if you're a Canadian tax resident, you filed last year's return, your adjusted family net income is under $90,000 and you have no access to private dental insurance. Here's how each test works and how to apply.
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Auto insurance
10 min read
There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
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Home, condo & tenant
10 min read
Instasure's model puts typical home insurance at about $92 to $154 a month across the provinces for one example house, as of October 2026. Here's the full province and city table, why Alberta tops it, and the changes that lower your own premium.
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Business insurance
10 min read
Trucking insurance in Canada has no standard price. What you pay depends on what you haul, how far you drive, who drives and whose operating authority you run under. Here's what each type of operation needs and what moves the premium.
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Auto insurance
5 min read
Most 2026 car insurance increases come from industry-wide costs like repairs, theft and severe weather, plus province-specific rules. Here's what's behind your renewal and 10 practical ways to lower it.
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Life insurance
5 min read
Term life gives the most coverage per dollar for a set period, while whole life covers you for life and builds cash value at a much higher price. Here is how to decide.
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Home, condo & tenant
5 min read
No Ontario law forces renters to buy tenant insurance, but a landlord can make liability coverage a condition of the lease. Here's what the standard lease says, what a policy covers and what it typically costs.
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Travel & visitors
5 min read
IRCC requires Super Visa applicants to have private medical insurance with at least $100,000 of emergency coverage, valid for at least one year. Here's what qualifies, what it typically costs by age, and how deductibles, pre-existing conditions and refunds work.
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Business insurance
5 min read
Small business insurance in Canada can cost a few hundred dollars a year for a low-risk consultant or several thousand for a contractor or restaurant. Here's what drives the price, which coverages matter and how to lower your premium.
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Health & living benefits
5 min read
The Canadian Dental Care Plan covers eligible people with family income under $90,000 and no access to dental insurance. Private plans suit people who earn more or want broader health coverage, but buying one can affect CDCP eligibility.
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Auto insurance
5 min read
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.
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Life insurance
5 min read
Bank mortgage insurance pays your lender a shrinking amount, while personal term life pays your family a level benefit and moves with you. Here is how to compare them at renewal.
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Life insurance
5 min read
Permanent residents can usually buy life insurance much like citizens, and many work-permit holders and students can qualify too. Here is what insurers look at and how to prepare.
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Auto insurance
5 min read
ICBC Basic is mandatory in BC, but it doesn't repair your own car or cover theft and hail. Here's how ICBC optional insurance works, where private insurers fit in and what to consider buying.
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Life insurance
5 min read
Most Canadian families need enough life insurance to clear debts, pay off the mortgage, replace several years of income and fund education. Here is how to add it up with the DIME method.
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Life insurance
5 min read
Example term life prices by age, sex, smoking status, coverage amount and term length, from the Instasure estimate model, plus the factors that move your price and ways to lower it.
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Auto insurance
5 min read
A personal auto policy may not cover you while you drive for Uber, Lyft, DoorDash or Skip. Here's how to close the gaps in Ontario, from the OPCF 6A endorsement to your accident benefit choices after July 2026.
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Home, condo & tenant
6 min read
A standard Canadian home policy usually covers sudden, accidental water damage, but sewer backup, overland flooding and groundwater need optional coverage or are excluded. Here's how each type of water claim works.
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Health & living benefits
5 min read
Critical illness insurance pays a lump sum after a covered diagnosis, while disability insurance replaces your income if you cannot work. Here is how to choose, or combine, the two.
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Home, condo & tenant
5 min read
When your condo or strata corporation charges its master-policy deductible back to you, deductible-assessment coverage on your unit policy pays it. Here's how the two policies split the risk and how to choose a limit.
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Home, condo & tenant
5 min read
One Calgary hailstorm can damage your car and your roof in minutes. Here's how comprehensive auto coverage and home insurance handle hail, what deductibles and roof terms to check, and how to file a claim.
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Auto insurance
5 min read
Alberta's 2026 good-driver rate cap is 7.5%, and the province moves to a Care-First injury model on January 1, 2027. Here's what that means for your renewal, your claims and how you shop.
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Canadian insurance runs on provincial rules. Here’s how your rights and pricing really work.
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