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Smithsfalls Homemove
We Offer:
- Car Insurance
- Home Insurance
- Residential
- Commercial
Last Updated: Dec 21, 2024
Car Insurance
Every motor vehicle in Ontario must carry liability insurance. Did you know that there are several different optional coverages from which to choose? Let us make it easy for you--we'll explain your options clearly, and help you make the choices that are right for you.
Pricing
Each automobile policy is priced based on a number of factors. The type of vehicle you wish to insure is very important, but it is certainly not the only information used to ensure that the price you pay fairly reflects the risk your situation poses to the insurance company. Your age, gender, motor vehicle experience, claims experience, insurance policy history, and what you use your vehicle for are all taken into consideration.
In addition, there are often discounts for being a mature driver, a retired person, a new driver who has taken drivers education, a farmer, or for insuring your house with the same insurance company.
As you can see, you need an insurance professional to sort all this out for you. E-mail quotes@woodbrokers.ca or call us at (613) 283-1486 or 1-800-224-1486 today--we will be happy to provide a consultation and quotation at no charge.
Antique vehicles & Classic cars
Both Bill and Robbie are antique and classic car fans, and have an extensive knowledge and appreciation for these wonderful collectors’ items. We have several excellent markets for your baby’s coverage. A recent appraisal is always required to obtain insurance, as the price of the coverage doesn’t so much depend upon the liability and accident benefits as regular car insurance, but rather the collision and comprehensive coverage which are based on the appraised value.
Usually, you insure your regular every day vehicles with the same company you place your antique or classic. Excellent rates are offered since this isn’t your regular daily transportation, and since you’re already a client of the insurance company.
Usually, you insure your regular every day vehicles with the same company you place your antique or classic. Excellent rates are offered since this isn’t your regular daily transportation, and since you’re already a client of the insurance company.
ATVs
Snowmobiles
Motorcycles
Motorhomes
We have several packages available designed for the unique needs of the motor home owner. Your vehicle has both property and automobile exposures to loss, so you need to be sure you get the proper coverage.
Personal Property Policies
Houses
For house insurance, the amount it would cost to rebuild your home with new materials and current labour costs, along with the cost to remove any debris prior to rebuilding is the starting point for your policy. Once this is established, (using insurance-industry standard calculation tools), a policy can be custom-tailored to your needs.
Whether you're insuring a home or an apartment, the location you live influences the price. If you live in a town or city where you are near a fire hydrant (hydrant protected), your insurance is usually less expensive than if you lived in a rural area (unprotected). The driving distance between your location and the nearest fire hall is also important, as you may qualify for a 'medium price' range known as fire hall protected.
Whether this is your first time to purchase this type of insurance and whether you've ever placed any insurance claims also factors into the price calculation. Your age may also qualify you for a discount.
This is only a summarization of the process used by the various insurance companies to determine the rate which applies to you. That's why it's important for you to place your insurance through W. J. Wood Brokers Ltd. We're insurance brokers--we search for the best coverage at the best price for you.
Whether you're insuring a home or an apartment, the location you live influences the price. If you live in a town or city where you are near a fire hydrant (hydrant protected), your insurance is usually less expensive than if you lived in a rural area (unprotected). The driving distance between your location and the nearest fire hall is also important, as you may qualify for a 'medium price' range known as fire hall protected.
Whether this is your first time to purchase this type of insurance and whether you've ever placed any insurance claims also factors into the price calculation. Your age may also qualify you for a discount.
This is only a summarization of the process used by the various insurance companies to determine the rate which applies to you. That's why it's important for you to place your insurance through W. J. Wood Brokers Ltd. We're insurance brokers--we search for the best coverage at the best price for you.
Condominiums
Insuring your condominium is very complex, since each condominium agreement is different, and the parts of the building and grounds you’re responsible for will vary. If possible, having your condominium agreement available for us to look over will help us to determine the coverage you require. We have excellent condominium packages available, and would be happy to discuss your personal needs with you.
Tenants Packages (contents)
Tenants packages are somewhat different in that you don't own the building in which you live. The starting point for a tenants package is the amount it would cost to replace all your possessions (furniture, appliances, clothing, etc.) with new ones. No two people own the same things, so only you can determine the amount of insurance that would be right for your needs. You may want to spend a few evenings with some catalogues, listing your possessions and their replacement costs.
Home-Based Business Insurance
Home insurance policies specifically exclude coverage for any property used for business purposes. If you operate any type of business from your home, you need to add coverage to your policy so your home will still be insured properly. Most insurers offer special home-based business endorsements at very reasonable prices so their policyholders can enjoy peace of mind knowing that their home-based business endeavours are covered properly.
Cottages and Seasonal Homes
Bill and Robbie have enjoyed summers at family cottages for many years, so appreciate how important it is to have the proper protection in place for your vacation property. We have access to several excellent cottage insurance programs that offer broad coverage and reasonable rates. It is helpful to have recent
Builder’s Risks
If you are building a new home, you need specialized coverage to protect you from the losses that can occur on a building job site. Let us help you protect your dream home while its being built, then convert your builder risk policy into a homeowners package to provide peace of mind once you move in. It’s important to contact us before construction begins, as most insurers won’t offer coverage if you attempt to purchase it part-way through your building project.
Rental Properties
We have several excellent markets for rented dwelling insurance. If you have a well-kept home with high-quality tenants on a long-term lease, you can usually obtain excellent coverage at a very affordable price. It’s important to protect not only the property itself, but the income that would be lost should your tenants be unable to live in your property due to an insured loss.
Travel Trailers
Boats, Yachts, and Personal Watercraft
With several lifetime boating enthusiasts here at W J Wood Brokers Ltd, we understand the unique needs of the boating lifestyle. Whether you have a small fishing boat, a large yacht, bow-rider, ski boat or anything in between, we have excellent coverage available for you. If you’ve taken a Power Squadron course, have a depth finder installed, have a good automobile driving record, or have several years of boating experience, you may qualify for additional discounts.
If you have a new boat, you may qualify for replacement cost insurance. Some packages include loss of use coverage to make sure that if your boat becomes unusable due to an insured peril, your vacation won’t be spoiled due to the lack of a boat.
If you have a new boat, you may qualify for replacement cost insurance. Some packages include loss of use coverage to make sure that if your boat becomes unusable due to an insured peril, your vacation won’t be spoiled due to the lack of a boat.
Travel Insurance
Whether you spend your winters in a warmer climate than Ontario, or travel frequently out of the province, our travel insurance partner can provide you with the coverage you need at a competitive price. Just click the ‘free travel insurance quote’ button for an instant quote on your travel insurance needs.
Personal Umbrella Liability Insurance
Do you coach a sports team, own a business, volunteer around the community, or are you looking for higher liability coverage limits (up to $5 million excess)? The extra coverage a personal umbrella liability policy offers, such as coverage for libel and slander could prove very valuable to you. We’d be happy to show you how economical this coverage can be.
Life Insurance
We now offer life insurance, disability insurance, critical illness insurance, health and dental insurance, travel insurance, investments and banking products through Manulife Financial. Please e-mail us at life@woodbrokers.ca for further information and a free no-obligation consultation or quotation for your needs.
