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Posted by: Rob on Google+

Canadians love to renovate. A recent survey by the Canadian Mortgage and Housing Corporation found that over 40 percent of households in ten Canadian markets renovated their home. The same survey found that 0ver 65% of households used a contractor to do all, or at least some, of their renovations. (Changes to your home may also affect your home insurance policy.)

The leaves have started to turn and the plants have all started to droop. It's a clear indication that it's time to do the annual fall yard cleanup.There's no better insurance for your garden and lawn that next spring will be a good growing season (other than predictable spring weather but that's never going to happen!)

Preventing identity theft is one of the best forms of insurance you can learn about -and it's free. There's no reason to be a victim of this invasive and violating crime.Identity theft can lead to loss of money, character and credit. Why not take these 7 easy steps and keep your name and credit clean.

Your neighbour drives a BMV M Roadster, while you get around in a sporty 2000 Honda Civic SiR. You both have clean driving records and travel the same distance to work. The BMV is worth more than the Civic, and then the shock comes—you’re paying more for auto insurance. Consumers are left asking why—well, the answer is clear.

Every vehicle make, model and year available in Canada is rated according to the Canadian Loss Experience Automobile Rating (CLEAR) system. This rating system assesses each type of vehicle based on expected claims frequency and cost, and the likelihood the vehicle will be stolen. This assists in calculating insurance rates—the lower the claims risk, the lower the rates, and the higher the claims risk, the higher the rates.