Let's Talk Leisure & Lifestyle Insurance.

You have worked long and hard to acquire your way of life. Therefore, it would be a shame for all the fun to end because you failed to properly insurance your lifestyle.

What's yoursurance for
your leisure lifestyle?

Depending on what you choose to protect, we can assign you a dedicated broker to best find the perfect insurance coverage and experience.

Your Dedicated Broker:
Hogg R.I.B. (ON)

The leisure & lifestyle insurance overview.

Whether you enjoy spending time in your seasonal dwelling, hitting the open sea in your boat, cruising around on your motorcycle or in your classic car, touring in your RV, riding the trails on your ATV or letting the snow fly from your snowmobile, you need to be covered. You have earned the right to enjoy your lifestyle worry free, knowing that you have the right coverage and protection while on the road, water, trails or at your home away from home.

Liability Insurance

The first and foremost way to protect your way of life is with the right liability insurance coverage. This is the coverage that you will need in the event that someone is injured on your property or you are otherwise found to be at fault for such injuries.

In addition to the medical fees that you may be required to pay, you will also have financial support for any legal expenses that you may incur following a liability claim. Even if you are determined not to be at fault for the incident, the cost of your defense can be quite extensive. Your liability coverage will pay for all of these expenses up to the limits of your policy, so you will not have to pay for it all out of your own pocket.

When it comes to setting up your liability coverage, it is vital that you know your limits. If a claims turns out to cost more than you have listed in your policy, you will have to pay the rest on your own. Therefore, you will need to take the time to discuss your specific risk exposures with your insurance broker to determine the amount of liability insurance that you need to include in your policy.

You may also want to consider purchasing umbrella liability insurance. This type of coverage kicks in once the limits have been reached on your primary liability policy. It will provide you with a safety net of sorts to protect you under extreme circumstances.

Property Insurance

Once you have your liability insurance coverage set up, the next type of coverage that you need to consider is property insurance. It is likely that you have acquired a considerable amount of high value belongings. You want to make certain that if the property that you own is every lost, stolen or destroyed you will have everything that you need to recover from such an event as quickly as possible.

The right property insurance will provide you with protection against most risks to your property, including theft, fire and weather damage. There are also a number of specialized coverage options as well that can be included, so that you have a tailored policy to meet your needs.

In most cases, your property insurance coverage can extend to include your personal belongings, recreational vehicles and watercrafts. However, it is important to talk with your broker to determine exactly what is covered. Then, you will be able to decide if you need to invest in any other specific coverage options or policies.

Vehicle Insurance

Finally, you will need to make certain that all of your vehicles are protected with the right vehicle insurance. This includes your everyday automobiles, your classic cars and your motorcycles.

There are a wide variety of options available when it comes to choosing the right vehicle insurance. Full coverage options will provide you with protection against both collisions and comprehensive claims. This means that you will be covered from practically all risks, including collisions with objects and other vehicles, theft, fire and vandalism.

In addition to the usual coverage options, you will also have several additional coverage types to consider, such as accessory coverage, equipment coverage and more.

Your broker will take the time to sit down with you and evaluate the types of vehicles that you need to insure, as well as the risks to which you are regularly exposed. Then he or she will be able to recommend the coverage types, deductibles and limits that will best suit you, your budget and your lifestyle.

Stewart Morrison Insurance is here to provide you with our expert help in securing your lifestyle with the right coverage options and support in the event of a claim. We provide personal claims support 24 hours a day, 7 days a week.

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