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The Truth About Renters Insurance

The Truth About Renters Insurance

Renters insurance is a form of property coverage that protects a policyholder’s personal belongings within a rental property. When renting an apartment, many tenants wrongly assume that their landlord’s insurance coverage protects them from damages. This is one of the many myths associated with renters insurance—myths that may cause some tenants to avoid coverage altogether.
This can be costly, and it’s important to understand some of basics of a renters insurance policy before making a decision.

4 Myths About Renters Insurance

1. Renters insurance only covers your possessions. Renters insurance typically includes liability protection in addition to standard property coverage. This is important in the event that you are responsible for injury or property damage to others. For instance, if someone slips and sprains his or her ankle at your apartment, you are likely to be protected under a renters insurance policy.
2. It’s unaffordable. In actuality, renters insurance is very affordable for the average tenant. While policy prices will vary, most tenants can receive up to $25,000 of property coverage and $100,000 of liability coverage for about $16 per month. For more savings, some policies offer discounts to those who add renters insurance onto existing coverage.
3. You only need renters insurance if you own a lot of expensive items. Personal property values can add up quickly. To demonstrate this, tenants should take an inventory of their belongings. When you start adding up things like furniture, laptops and televisions, the importance of renters insurance can become a bit more apparent. When considering renters insurance, it’s important to keep in mind that items like collectibles and antiques may be out of the scope of traditional policies and that special coverage may be required.
4. You don’t need renters insurance if your roommate has it. Renters insurance only protects the policyholder’s personal belongings. In the event of a fire of theft, you will have to recoup any losses if you are without some sort of coverage.


Like any insurance policy, it’s important to take your unique situation into account before committing. Contact Moller Insurance Ltd. today for more information.

Posted in: Home Insurance, Insurance, Uncategorized

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Thinking About Getting A New Car?

Thinking About Getting A New Car?

If you’re like most people shopping for a new vehicle, safety ranks high among things you’re looking for. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. Many automakers offer safety features beyond the required federal minimums. Find out more about what safety features should be considered when purchasing a car.

Shopping for a Safe Vehicle

Seat BeltSafety Features

When you think about buying a new vehicle, chances are you spend a good deal of time thinking about what kind of vehicle you’d like to buy, what colour you’d like, and the “must-have” features. But don’t forget to consider a vehicle’s safety features, too


  1. Crashworthiness: These features reduce the risk of death or serious injury when a crash occurs. You can get a rating of     crashworthiness for just about any car from the Insurance Institute for Highway Safety’s Web site at
  2. Vehicle structural design: A good structural design has a strong occupant compartment, known as the safety cage, as well as front and rear ends designed to buckle and bend in a crash to absorb the force of the crash.
  3.  Vehicle size and weight: The laws of physics dictate that larger and heavier cars are safer than lighter and smaller ones. Small cars have twice as many occupant deaths each year as large cars
  4. Anti-lock brakes: When you brake hard with conventional brakes, the wheels may lock and cause skidding and a lack of control. Anti-lock brakes pump brakes automatically many times a second to prevent lockup and allow you to keep control of the car. Anti-lock brakes may help you keep steering control, but they won’t necessarily help you stop more quickly.
  5. Daytime running lights: Daytime running lights are activated by the ignition switch. They are typically high-beam headlights at reduced intensity or low-beam lights at full or reduced power. By increasing the contrast between a vehicle and its backgrounds and making the vehicles more visible to oncoming drivers, these lights can prevent daytime accidents.
  6. On-the-road experience: Other design characteristics can influence injury risk on the road. Some small utility vehicles and pickups are prone to rolling over. “High performance” cars typically have higher-than-average death rates because drivers are tempted to use excessive speed. Combining a young driver and a high-performance car can be particularly dangerous.

Whether new or used, buying a car is an investment. Make sure your vehicle is properly protected by calling our office today to learn more about all of our insurance solutions for your auto, home and life.



Moller Insurance Ltd.


Posted in: Car Insurance, Insurance

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Try Our Brand New Quoting Tool TODAY!

Try Our Brand New Quoting Tool TODAY!

You could be 5 minutes away from saving on your insurance!

Getting a single quote for your home or car might seem like a time consuming task. A lot of factors can impact the amount of time it takes to get an insurance quote;for example, how many drivers and vehicles you have of details about the construction of your home. However, has now made it easy to get an insurance proposal in 5 minutes or less.

You now have a choice to complete a general 10-second quote or a more detailed 5 minute quote to see where you can start saving. The detailed quote will give you a more accurate estimate though answering a few simple questions. Your answers will then be run through our 18 contracted insurance companies to determine the company with the best coverage to fit your specific needs.

Moller Quote Tool

Once you’ve completed the session, you are given the option to try an additional quote or send the data you have submitted to our insurance specialists to further assist you with any questions.

When you call, we can also inform you of potential discounts and further saving you may qualify to receive.

Try out our new Quoting Tool today and give us a call! (905) 642-2745


Posted in: Car Insurance, Home Insurance, Insurance, New Features, Tenants Insurance, Uncategorized

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Need To Know! NEW Auto Insurance Changes

Need To Know! NEW Auto Insurance Changes

Ontario’s NEW Auto Insurance Reform

Auto reform changes come into effect this year: the winter tire discount was effective as of January 1st  but most changes come into effect June 1st.

In a nutshell, new regulations include lower accident benefit limits in standard insurance policies, new options to increase coverage, new procedures for payment and a mandatory Winter Tire discount offered by insurance companies across Ontario.

Why does any of this matter?

Car insurance can sometimes come with negative connotation – monthly expenses could be used elsewhere (for that vacation you need, for example). It’s perhaps only at renewal when you might think about the greater issues at play: insurance as a safety net, protecting against risk; insurance as a critical factor in individual and collective welfare. If you, a friend or loved one is involved in an accident, it’s at that point your outlook changes to one of appreciation. What would have happened if a policy hadn’t been in place?

The opportunity with this new set of measures is to step back and reflect on what you really need. Does your employer provide a Group Insurance Plan? Look into what your policy covers… most benefit packages are limited to $500/year per practitioner, which can be exhausted quickly even in cases of minor accidents. If you have children or elderly parents that depend on you, who would care for them if you were injured? If you had to hire someone to carry out household responsibilities, how would you subsidize the expense?

Standard policies are just that – standard. They don’t include benefits like dependent care, which reimburses additional expenses to care for your dependents. While auto insurance products are becoming more affordable for consumers, gaps might exist depending on your lifestyle. The good news is there’s opportunity to fill those gaps by increasing coverage or adding options to cover specific areas of your life. Purchasing appropriate coverage is an investment in your family, your children, your parents… ultimately it’s an investment in your lifestyle. What could be more important?

Watch for awareness mailers from your insurance company, and make sure to talk to your broker at Moller Insurance Ltd. to ensure you have the best possible coverage based on your lifestyle.

The following link contains an introduction video to the changes taking place June 1, 2016.

Posted in: Car Insurance, Insurance, News & Events, Uncategorized

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