When most people think of home insurance, they typically think of coverage for the main structure of their home. However, many homes also have additional structures on their property, such as sheds, detached garages, or barns. These structures are commonly referred to as outbuildings, and they can be just as vulnerable to damage or loss as the main house. That's why it's important to understand outbuilding coverage for home insurance. Here is some information to help make sure you have the right protection in place.

A question that I get asked from time to time is: The money that is paid out in an insurance claim, is that taxable? This creates an interesting question about what is considered income. In order to answer this question, we wanted to look at a few scenarios.

In early 2025, Southern California experienced one of the worst natural disasters in US history. The LA wildfires claimed the lives of 28 people, destroyed over 17,000 structures, scorched 35,000 acres, and displaced more than 150,000 residents. According to AccuWeather, the total economic impact—including damages, loss of life, healthcare costs, business disruptions, and other economic factors—is estimated between $250 billion and $275 billion.

Auto insurance is a necessity for drivers in Alberta, but how much does it actually cost? In 2024, Armour Insurance analyzed our data to provide a clear look at the average, median, and highest premiums paid by Albertans. With this data, we aim to demystify auto insurance costs and help drivers better understand what factors influence their rates,we aim to help Alberta drivers get a baseline for coverage costs. 

Recreational vehicles and watercrafts bring Albertans endless opportunities for fun and adventure, but they also come with responsibilities, like insurance. In 2024, Armour Insurance analyzed data on premiums for motorcycles, boats, RVs, trailers, ATVs, and snowmobiles to provide a clear picture of how much recreational insurance costs in Alberta. By sharing these insights, we aim to help recreational enthusiasts get a baseline for coverage costs. 

On December 2, 2024, the Alberta Government unveiled major reforms to the use of photo radar by municipalities, set to take effect on April 1, 2025. These changes aim to reduce the number of active photo radar locations from 2,200 to approximately 650, a significant reduction of about 70%.

Alberta’s auto insurance market has been at the center of scrutiny and controversy for many years. Headlines about reports on public vs. private auto insurance, rate freezes, rate increases for safe drivers, insurance companies leaving the province, and the latest announcement about Alberta’s sweeping changes to the insurance industry. With all of this in mind you might be asking yourself: What is happening to Alberta car insurance? We’d like to take an opportunity to break down the state of Alberta auto insurance and what changes could look like.

You might not know it, but home insurance and animals often have a complicated relationship. What kinds of things can be covered, and what aren’t? From a loyal pet’s mishap to an invasion of pests, there are plenty of questions about where your home insurance can step in. Knowing the basics can help you understand which risks are yours to manage and which fall under your policy’s protection.

When it comes to car insurance, many drivers wonder if owning an older car means lower insurance rates. While it's true that some aspects of insuring an older vehicle can be less expensive, it's not always the case. This article will help clarify the difference between older cars and classic cars and some of the other factors that go into your car insurance premium.