When most people think about home insurance, they picture protection for major events like fire, theft, or flooding. But many home insurance policies also include additional coverages that are often overlooked. Two of the most helpful are Voluntary Medical Payments and Voluntary Property Damage.

No one expects to be forced out of their home. But disasters like fires, floods, or windstorms can leave your property temporarily uninhabitable. In these moments, the last thing you want to worry about is where you will stay or how you will afford to maintain your standard of living. That is where Additional Living Expenses, often called ALE, come into play. This important part of your property insurance policy helps ease the financial burden when life is disrupted by a covered claim.

When it comes to home insurance, most homeowners think about fire, theft, or hail damage, but what about what’s happening underground? Sewer backups are one of the messiest and most expensive types of water damage. Without the right coverage in place, you could be left footing a hefty bill and dealing with a health hazard in your own home.

Let’s be honest. Getting a home insurance quote doesn’t top anyone’s list of fun things to do. A lot of people assume it’s a long, frustrating process filled with obscure questions and time-consuming forms. While it used to be that way, modern quoting tools and smart data systems have changed the game.

The truth? It’s probably easier than you think. If you’re working with a brokerage like Armour Insurance, we’ll do most of the heavy lifting for you. Let’s walk through how quoting works, why certain questions matter, and how we make it as smooth and painless as possible.

When wildfires strike, you may only have minutes to act. That’s why it’s so important to be prepared before there’s ever smoke on the horizon. Whether you live in a high-risk wildfire zone or simply want to be ready for the unexpected, this guide answers some of the most common fire evacuation questions and gives you a clear list of what to pack in your emergency go-bag.

Home and tenant insurance policies have a designated amount of money that they will compensate in the event of a total loss. Scheduling an asset on your insurance is specifically naming that item or collection and having a value assigned to it that would be compensated if there was a total loss.

Whether you live in a condo, a house, or you’re renting the place you call home, your property insurance is an important part of your financial stability. Regardless of whether you own the place you call home; an important part of your property insurance is ensuring you have adequate coverage for the contents.

Your home is more than just four walls, it’s filled with the possessions that make it uniquely yours. From furniture and electronics to clothing and collectibles, these belongings hold both financial and sentimental value. That’s where contents insurance, also known as personal property coverage, comes in. It helps protect your possessions in case of unexpected events like theft, fire, or water damage.

Ensuring your home is equipped with essential flood prevention devices like a sump pump and backwater valve can be crucial for protecting your property. In this guide, we'll explain what these devices are, how they work, and how to locate them in your home.

Knowing the type of wiring in your home is crucial for safety and insurance purposes. Different types of wiring have different risks associated with them, and understanding what you have can help you make informed decisions about maintenance and coverage. In Canada, homes can have various types of wiring, including aluminum, copper, and knob-and-tube. Here's a simple guide to help you identify what kind of wiring your home uses.