Whether you own a Motorhome, Fifth Wheel, Travel Trailer, Tent Trailer, Truck Camper or Park Model, we can provide the RV insurance that’s right for you.
Personal watercraft insurance is not legally required in Ontario but it is recommended. Insurance protects your personal watercraft from damage due to an insured loss and it also protects you against liability due to injury or death. If you are financing your personal watercraft, the bank or financing will require you to carry insurance and you will not be able to pick up your watercraft from the dealer until insurance is in place.
You’ve finally made the investment in that Bike you’ve been eyeing for years, and now you need to protect it, and yourself from damage and injury. Whether you are an experienced or a new rider, we have the policy that’s right for you. If you own a motorcycle, just as with an automobile, the government requires that you carry a minimum amount of insurance coverage.
If you have a beautiful vintage vehicle that is 25 years or older with collector characteristics that is a limited use vehicle for occasional use and collector car activities, you will want to look at TSG’s Antique / Classic car insurance. The car cannot be your daily vehicle and the appraised value must be less than $150,000.
As a tenant, you don’t own your home, but you do own everything in it (clothes, laptop, jewelry, flat screen, DVDs and more). You’ve invested time and money into furnishing, decorating and possibly even upgrading it. If the unexpected happens, replacing everything without renters insurance could set you back thousands of dollars. Tenant insurance is something you can’t afford to be without. It is similar to homeowner’s insurance, except they do not provide coverage for the building. As a tenant, you determine the amount of insurance — so we suggest you take inventory of all your possessions to ascertain current replacement cost values.
1. Comprehensive which will provide protection of your contents against All Perils except those that are specifically excluded on the policy
2. Broad which will provide protection of your contents against those perils specifically named on the policy
A tenants insurance package will cover your personal property, and personal liability up to $2,000,000 if you choose to purchase that limit. With annual premiums starting as low as $200, there is an affordable package that is just right for you and your situation. Such a small price to pay for huge peace of mind! If you are ready to check out our rates, and purchase your policy, call us now!
Seasonal Dwellings are often insured under a client’s homeowner’s policy as a separate location. Some insurance companies provides only burglar coverage on this policy. Burglary means the unlawful removal of property from premises using visible forcible entry.
Theft is generally not available under seasonal dwelling policy. Vandalism and Glass Breakage could be an optional coverage added on your policy. Also, most insurance companies do not provide coverage for a collapse caused by the weight of snow accumulation on the building, however some insurance companies offer this as an optional coverage that could be added on your policy.
Whether your home-away-from-home is a cozy mountain cabin, cottage on the water, or trailer permanently situated at your favorite camping spot, at The Shepherd Group, we can help you find the right insurance company to protect your investment, even when you’re not there.
Are you a Landlord? If you own less than 4 detached 1 to 4 unit investment properties used for residential purposes, you don’t have to insure them on a Commercial policy. In most circumstances, you can add your Rented Dwellings to your existing personal homeowners insurance policy or purchase a standalone policy to insure them.
Your home is more than just bricks and mortar, it’s a place of refuge, safety and your escape from the hustle and bustle of the everyday world. Home is where the things and people you love become the primary focus. At TSG we know how important your home is to you, and that’s why we go above and beyond to help our clients find insurance that will protect them and give them peace of mind.
You love your condo, love all the amenities, the security and the safety it provides you. It is where you keep your most prized possessions and enjoy the company of friends and loved ones. At TSG, we can help you find a condo insurance policy that fits the needs that are specific to those of a condo unit owner.
If you own a Condo, you are responsible to insure the contents of your unit from the walls in, as well as any improvements or betterments that you may have made to your unit. This policy is similar to the homeowners policy in that there are standard forms, Comprehensive, Broad and Basic or Named Perils however, this coverage is provided only on the contents within your unit.
Condo insurance policies provide no coverage for the building, since this is the responsibility of the condo association or corporation. Two important coverages that are unique to condominium policies are Loss Assessment and Condominium Contingent Coverage.
Although your condo association has coverage on your unit or building, in some instances it may not be enough. In the event of loss or damage to your individual unit, if the condo association’s insurance is insufficient, you, as the unit owner, are responsible for the difference between the amount of damage and the amount available from the building insurance. The contingent coverage addresses this difference.
Following a loss or damage to collectively owned condo property, condo owners may be required to share part of the loss. This would occur if the condo association’s insurance was insufficient. Loss assessment coverage will pay for your share of the loss, up to a specific limit.
If you have more questions about coverage or would like to speak to one of our knowledgeable advisors, you can chat with them live online or call our office. If you have already read all you need to know, Click here and get a quote and purchase your condo insurance immediately online from the comfort of your own home today!