top of page

905.407.7071

Our Testimonials

Insurance today often feels like a 'big box' business—impersonal and frustrating. Many people stick with those big companies, assuming they’re getting the best deal.

STEVE_CHITTICK_LOGO 2

We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.

Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9

905-407-7071

© 2025 Insurance Advisor All Rights Reserved

My experience with Steve has been one of great comfort, and respect. When I moved my policy over to Steve, I was ALARMED to find the number of short cuts..

Ready more >

image

Waterdown, ON

William H.

My husband and I were referred to Steve from some friends, and I am so happy we were! From day one he has been nothing but amazing..

image

Hamilton, ON

Read more>

Heather and Dmitry Perov

I’ve been working with Steve and his team for several years. I haven’t calculated the amount of money that Steve has saved me by researching for the best company..

image

Hamilton, ON

Read more>

 Shelley & Dave Johnson

  • Coverage:
     
    Atv’s are a great source of fun either for trail riding, or maybe you are into hunting. Either way, don’t forget the insurance! ATV insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the ATV, there are different levels of coverage. The main coverage available would be for collision, comprehensive (fire & theft) and your personal liability while operating the ATV. It’s always best to deal with a broker who will take the time to explain your Atv insurance coverage options to you.
     
    Choice:
     
    With offices across Ontario, I can find the ATV insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive ATV insurance rate that fits your needs and budget.
     
    Professional Advice:
     
    If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your ATV insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.

  • Coverage:
     
    Auto insurance in Ontario can be a little confusing. Between understanding the no-fault system in Ontario and the different options available to protect your vehicles; it’s always best to deal with a broker who will take the time to explain your insurance coverage options to you. Cheap insurance is great, but not if you aren’t protected properly.
     
    Choice:
     
    With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive auto insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many auto insurance discounts available. I will work with you to find the best auto insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-vehicle discount (insuring multiple vehicles with the same insurance company)

    • Winter tire discount (now available with all companies January 2016)

    • Conviction free discount

    • Driver training discount

    • Short commute discount

    • Retiree discount

    • Good student discount

    • Loyalty discount

    • MyDriving discount (discount based on your driving habits)
       

    Professional Advice:
     
    In this day of impersonal technology, aren’t we all just looking for answers and to talk to someone who knows?  If you are like me, sometimes it’s just nice to pick up the phone and speak to a human being who is willing to listen. If you are in an accident, I will be there to help you navigate the claims process and answer any questions you may have. Having the proper auto insurance will reduce worry and make your claims process easier should you be involved in an accident.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Guaranteed Rates:
     
    Did you know that the date you received your license(s)? Do you know how long you have been listed on an insurance policy? Have you ever had a gap of insurance for any reason? What about the dates of claims going back 10 years or tickets you may have received in the last 3? The majority of people can’t always remember certain details which can affect the auto insurance quote drastically.  I treat the quote process differently. With a quick call, I can take the vehicle and driver details and verify the information through a third party system. This allows me to give you a consistent insurance quote every time.

  • Coverage:
     
    Planning on hitting up the water this summer? Don’t forget the insurance! Boat and personal watercraft insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the boat, there are different levels of coverage. The main coverage available would be for the boat, or personal watercraft hull, along with the motor, boat contents (eg. GPS, fish finders), trailer, and your personal liability while operating the watercraft. It’s always best to deal with a broker who will take the time to explain your boat insurance coverage options to you.
     
    Choice:
     
    With offices across Ontario, I can find the right boat insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive boat and personal watercraft insurance rate that fits your needs and budget.
     
    Professional Advice:
     
    If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     

    • Reasonable Repairs
      Covers repairs incurred to protect covered property from further damage.

    • Emergency Service
      Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

    • Wreck Removal
      Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.

    • Umbrella Liability
      Provides additional boat insurance coverage across the board for home, auto and watercraft.

  • Coverage:
     
    Cottage insurance is growing in popularity and continues to evolve from insurer to insurer.  There are various levels of coverage available depending on the cottage location, fire protection available in the area, type of cottage, and the frequency that you visit the property. Not all cottage insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your cottage insurance coverage and provide you with some competitive options.
     
    Choice:
     
    With offices across Ontario, I can find the right cottage insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive cottage insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many cottage insurance discounts available. I will work with you to find the best cottage insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-property discount (insuring multiple properties with the same insurance company)

    • Mortgage free discount

    • Newer cottage

    • Monitored Alarm discount

    • Claims free discount

    • Non-smoker discount

    • Loyalty discount

    • Sewer backup prevention

    • Shuttle tank fire protection discount
       

    Professional Advice:
     
    There are very few people that actually review their cottage insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     
    Sewer backup coverage

    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
     
    Home based business

    What happens if you run a home based business out of your cottage? Did you know you can get additional liability and business contents coverage added in most cases? This is very important especially if you have clients coming to see you at your home office.
     
    Jewellery rider

    Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
     
    Silverware, goldware, stamps, coins  and collections
    All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options to include additional coverage.
     
    Personal watercraft coverage

    If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.

    Umbrella coverage
    An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.

  • Coverage:
     
    Home insurance coverage in Ontario continues to evolve from insurer to insurer. Not all home insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your home insurance coverage and provide you with some competitive options.
     
    Choice:
     
    With offices across Ontario, I can find the right home insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive home insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many home insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-property discount (insuring multiple properties with the same insurance company)

    • Mortgage free discount

    • New Home discount

    • Monitored Alarm discount

    • Retiree (age) discount

    • Claims free discount

    • Non-smoker discount

    • Loyalty discount

    • Sewer backup prevention
       

    Professional Advice:
     
    There are very few people that actually review their home insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     
    Sewer backup coverage

    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
     
    Home based business

    Running a small business or side business out of your home? What happens if a client comes to see you at your home office and falls on your front steps? Did you know you can add additional liability and business contents coverage to protect you in most cases? Without the home based business rider, you are putting yourself in danger of having a claim denied.
     
    Jewellery rider

    Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
     
    Silverware, goldware, stamps, coins, and collections
    All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options available to include additional coverage.
     
    Personal watercraft coverage

    If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.
     
    Umbrella coverage

    An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.

  • Coverage:
     
    Residential rental properties are a popular investment in Canada. Insuring them can be fairly straight forward depending on how they are managed, and the type of tenants leasing the property. Single family rentals with annual leases are ideal. Short term rentals, furnished rentals, student rentals and commercial/residential mixed properties all will need a specialty insurance solution. Let me work with you to review your rental property insurance needs and provide you with some competitive options.
     
    Choice:
     
    With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive rental property insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many condo insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-property discount (insuring multiple properties with the same insurance company)

    • Mortgage free discount

    • New Home discount

    • Monitored Alarm discount

    • Retiree (age) discount

    • Claims free discount

    • Non-smoker discount

    • Loyalty discount

    • Sewer backup prevention
       

    Professional Advice:
     
    There are very few people that actually review their rental property policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     
    Sewer backup coverage

    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
     
    Rental Income

    This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
     
    Building owner’s contents coverage

    Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).

  • Coverage:

    University and college towns offer great investment opportunities for those looking to own a student rental.  Although these properties can be profitable, they are viewed as higher risk in the eyes of many insurers and require a policy specifically built for these types of properties. Risk management is a key part in obtaining the best student rental insurance. Let me work with you to review your student rental insurance needs and provide you with some competitive options.

    Choice:

    With offices across Ontario, I can find the right student rental insurance for you. Our brokerage represents over 15 insurance companies in Ontario, and 5+ companies that specialize in insuring student rentals. With that many to choose from, we are sure to find you a very competitive student rental property insurance that fits your needs and budget.

    Risk Management:

    Student rentals can be higher risk if you don’t put a risk management policy in place. Consider the following steps before taking on any new lessee’s.
     

    • Request multiple references

    • Have annual leases for each student

    • Have a requirement that each student have their own tenant insurance in the lease

    • Have a requirement that all cooking be done in communal kitchen (no hot plates allowed)

    • Inspect the exterior of the property monthly

    • Inspect the interior semi-annually

    • Have an emergency plan posted in the home in case of fire or medical emergency

    • Have a contract for snow removal to prevent slips and falls, or have a written agreement outlining tenants responsibilities in this matter.
       

    Professional Advice:

    There are very few people that actually review their rental property insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.

    Payment Flexibility:

    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.

    Additional Coverage:

    Rental Income
    This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.

    Building owner’s contents coverage
    Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).

    Sewer backup coverage
    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.

    Equipment breakdown

    Flood & Earthquake

You'll find answers to questions regarding therapy options, how to access support, resources for self-help, and tips for managing mental health concerns.

image

Frequently Asked Questions

Untitled_edited.jpg

Avoid Costly Towing Scams

  • steve27865
  • Mar 14
  • 2 min read

Avoid Costly Towing Scams

Tow Truck Scams


Following an accident, it is sometimes necessary to have your car towed. While many towing companies are honest and reliable, there are a variety of scams that can cost you both time and money.

As a driver, there are several popular towing scams that you should be aware of, including the following:


  • Scanning. This refers to when a towing firm monitors police scanners and shows up at accident scenes unannounced. The towing company will then try to convince drivers to get towed to a body shop, even if it’s unnecessary.

  • Inflated fees. Tow truck companies will sometimes increase fees beyond auto policy limits. In some cases, they will add expensive and unnecessary fees, like gate, labour and release fees, to drive up prices.

  • Added damage. In extreme cases, certain body shops give tow truck drivers a commission for bring them business. These body shops will then hold cars for extended periods of time to drive up prices, even purposely damaging vehicles to increase repair costs.


To avoid these scams, it’s important to be armed with prevention tips. For instance, never utilize a tow truck that shows up at a scene unannounced. Research body shops ahead of time, using only the most trustworthy. You should request a printed price list of transportation and storage fees from a towing company before committing to the service.

 

Safety First

Many scammers will ask you for your personal information. In some cases, body shops and tow truck drivers will use this information to further their scam. To avoid these issues, be wary of giving out too much personal or insurance-related information. Lastly, if you suspect fraud or if the tow truck driver refuses to leave the scene of the accident, don’t hesitate to call the authorities for assistance.

Check out CBC’s Marketplace episode where they went undercover.




Comments

Popular posted

Aviva_Logo 1
beazley-logo 1
image 135
special-risk-insurance-managers-1 1
CAA logo 1
CanSure-550 1
Trinity Underwriting 1
Forward-Logo-Fuchsia-Final-1 1
odis_underwriting_inc_logo 1
Chutter Underwriting 1
CFC Underwriting 1
Coalition Insurance 1
South Wester Insurance Group 1
Aviva_Logo 2
beazley-logo 2
image 136
special-risk-insurance-managers-1 2
CAA logo 2
CanSure-550 2
Trinity Underwriting 2
Forward-Logo-Fuchsia-Final-1 2
odis_underwriting_inc_logo 2
Chutter Underwriting 2
CFC Underwriting 2
Coalition Insurance 2
South Wester Insurance Group 2

Our Insurance Partners

Untitled_edited.jpg
Aviva_Logo 1
beazley-logo 1
image 135
special-risk-insurance-managers-1 1
CAA logo 1
CanSure-550 1
Trinity Underwriting 1
Forward-Logo-Fuchsia-Final-1 1
odis_underwriting_inc_logo 1
Chutter Underwriting 1
CFC Underwriting 1
Coalition Insurance 1
South Wester Insurance Group 1
Aviva_Logo 2
beazley-logo 2
image 136
special-risk-insurance-managers-1 2
CAA logo 2
CanSure-550 2
Trinity Underwriting 2
Forward-Logo-Fuchsia-Final-1 2
odis_underwriting_inc_logo 2
Chutter Underwriting 2
CFC Underwriting 2
Coalition Insurance 2
South Wester Insurance Group 2
Aviva_Logo 1
beazley-logo 1
image 135
special-risk-insurance-managers-1 1
CAA logo 1
CanSure-550 1
Trinity Underwriting 1
Forward-Logo-Fuchsia-Final-1 1
odis_underwriting_inc_logo 1
Chutter Underwriting 1
CFC Underwriting 1
Coalition Insurance 1
South Wester Insurance Group 1
Aviva_Logo 2
beazley-logo 2
image 136
special-risk-insurance-managers-1 2
CAA logo 2
CanSure-550 2
Trinity Underwriting 2
Forward-Logo-Fuchsia-Final-1 2
odis_underwriting_inc_logo 2
Chutter Underwriting 2
CFC Underwriting 2
Coalition Insurance 2
South Wester Insurance Group 2

Our Insurance Partners

Frequently Asked
Questions

You'll find answers to questions regarding therapy options, how to access support, resources for self-help, and tips for managing mental health concerns.

  • Coverage:
     
    Atv’s are a great source of fun either for trail riding, or maybe you are into hunting. Either way, don’t forget the insurance! ATV insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the ATV, there are different levels of coverage. The main coverage available would be for collision, comprehensive (fire & theft) and your personal liability while operating the ATV. It’s always best to deal with a broker who will take the time to explain your Atv insurance coverage options to you.
     
    Choice:
     
    With offices across Ontario, I can find the ATV insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive ATV insurance rate that fits your needs and budget.
     
    Professional Advice:
     
    If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your ATV insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.

  • Coverage:
     
    Auto insurance in Ontario can be a little confusing. Between understanding the no-fault system in Ontario and the different options available to protect your vehicles; it’s always best to deal with a broker who will take the time to explain your insurance coverage options to you. Cheap insurance is great, but not if you aren’t protected properly.
     
    Choice:
     
    With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive auto insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many auto insurance discounts available. I will work with you to find the best auto insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-vehicle discount (insuring multiple vehicles with the same insurance company)

    • Winter tire discount (now available with all companies January 2016)

    • Conviction free discount

    • Driver training discount

    • Short commute discount

    • Retiree discount

    • Good student discount

    • Loyalty discount

    • MyDriving discount (discount based on your driving habits)
       

    Professional Advice:
     
    In this day of impersonal technology, aren’t we all just looking for answers and to talk to someone who knows?  If you are like me, sometimes it’s just nice to pick up the phone and speak to a human being who is willing to listen. If you are in an accident, I will be there to help you navigate the claims process and answer any questions you may have. Having the proper auto insurance will reduce worry and make your claims process easier should you be involved in an accident.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Guaranteed Rates:
     
    Did you know that the date you received your license(s)? Do you know how long you have been listed on an insurance policy? Have you ever had a gap of insurance for any reason? What about the dates of claims going back 10 years or tickets you may have received in the last 3? The majority of people can’t always remember certain details which can affect the auto insurance quote drastically.  I treat the quote process differently. With a quick call, I can take the vehicle and driver details and verify the information through a third party system. This allows me to give you a consistent insurance quote every time.

  • Coverage:
     
    Planning on hitting up the water this summer? Don’t forget the insurance! Boat and personal watercraft insurance policies can be set up as standalone coverage, or can often be added on to your personal property policy. Depending on the age, type, and value of the boat, there are different levels of coverage. The main coverage available would be for the boat, or personal watercraft hull, along with the motor, boat contents (eg. GPS, fish finders), trailer, and your personal liability while operating the watercraft. It’s always best to deal with a broker who will take the time to explain your boat insurance coverage options to you.
     
    Choice:
     
    With offices across Ontario, I can find the right boat insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive boat and personal watercraft insurance rate that fits your needs and budget.
     
    Professional Advice:
     
    If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     

    • Reasonable Repairs
      Covers repairs incurred to protect covered property from further damage.

    • Emergency Service
      Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

    • Wreck Removal
      Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.

    • Umbrella Liability
      Provides additional boat insurance coverage across the board for home, auto and watercraft.

  • Coverage:
     
    Cottage insurance is growing in popularity and continues to evolve from insurer to insurer.  There are various levels of coverage available depending on the cottage location, fire protection available in the area, type of cottage, and the frequency that you visit the property. Not all cottage insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your cottage insurance coverage and provide you with some competitive options.
     
    Choice:
     
    With offices across Ontario, I can find the right cottage insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive cottage insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many cottage insurance discounts available. I will work with you to find the best cottage insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-property discount (insuring multiple properties with the same insurance company)

    • Mortgage free discount

    • Newer cottage

    • Monitored Alarm discount

    • Claims free discount

    • Non-smoker discount

    • Loyalty discount

    • Sewer backup prevention

    • Shuttle tank fire protection discount
       

    Professional Advice:
     
    There are very few people that actually review their cottage insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     
    Sewer backup coverage

    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
     
    Home based business

    What happens if you run a home based business out of your cottage? Did you know you can get additional liability and business contents coverage added in most cases? This is very important especially if you have clients coming to see you at your home office.
     
    Jewellery rider

    Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
     
    Silverware, goldware, stamps, coins  and collections
    All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options to include additional coverage.
     
    Personal watercraft coverage

    If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.

    Umbrella coverage
    An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.

  • Coverage:
     
    Home insurance coverage in Ontario continues to evolve from insurer to insurer. Not all home insurance policies are made equal which is why it’s important for you to know what you are buying. Let me work with you to review your home insurance coverage and provide you with some competitive options.
     
    Choice:
     
    With offices across Ontario, I can find the right home insurance solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive home insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many home insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-property discount (insuring multiple properties with the same insurance company)

    • Mortgage free discount

    • New Home discount

    • Monitored Alarm discount

    • Retiree (age) discount

    • Claims free discount

    • Non-smoker discount

    • Loyalty discount

    • Sewer backup prevention
       

    Professional Advice:
     
    There are very few people that actually review their home insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     
    Sewer backup coverage

    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
     
    Home based business

    Running a small business or side business out of your home? What happens if a client comes to see you at your home office and falls on your front steps? Did you know you can add additional liability and business contents coverage to protect you in most cases? Without the home based business rider, you are putting yourself in danger of having a claim denied.
     
    Jewellery rider

    Most home insurance policies have some built in coverage for jewellery. Depending on the insurer, you would be looking at $4,00-$10,000 in most cases. For instances where that would not be enough, we can schedule additional coverage for your higher value items including watches, engagement rings, wedding rings etc.
     
    Silverware, goldware, stamps, coins, and collections
    All of the above have special limits included in most home policies. The basic limit included in your home insurance policy may not be enough, but there are options available to include additional coverage.
     
    Personal watercraft coverage

    If you own a boat, often there is coverage that can be added to protect the liability exposure as well as coverage for the boat, motor and the boat’s contents.
     
    Umbrella coverage

    An umbrella policy provides a higher level of liability protection for a policy holder through higher limits and broadened coverage.

  • Coverage:
     
    Residential rental properties are a popular investment in Canada. Insuring them can be fairly straight forward depending on how they are managed, and the type of tenants leasing the property. Single family rentals with annual leases are ideal. Short term rentals, furnished rentals, student rentals and commercial/residential mixed properties all will need a specialty insurance solution. Let me work with you to review your rental property insurance needs and provide you with some competitive options.
     
    Choice:
     
    With offices across Ontario, I can find the right solution for you. Our brokerage represents over 15 insurance companies in Ontario. With that many to choose from, we are sure to find you a very competitive rental property insurance rate that fits your needs and budget.
     
    Discounts:
     
    Each insurance company has many condo insurance discounts available. I will work with you to find the best home insurance for your situation. Some of the discounts available are:
     

    • Multi-policy discount (insuring auto and property with the same company)

    • Multi-property discount (insuring multiple properties with the same insurance company)

    • Mortgage free discount

    • New Home discount

    • Monitored Alarm discount

    • Retiree (age) discount

    • Claims free discount

    • Non-smoker discount

    • Loyalty discount

    • Sewer backup prevention
       

    Professional Advice:
     
    There are very few people that actually review their rental property policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.
     
    Payment Flexibility:
     
    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.
     
    Additional Coverage:
     
    Sewer backup coverage

    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.
     
    Rental Income

    This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.
     
    Building owner’s contents coverage

    Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).

  • Coverage:

    University and college towns offer great investment opportunities for those looking to own a student rental.  Although these properties can be profitable, they are viewed as higher risk in the eyes of many insurers and require a policy specifically built for these types of properties. Risk management is a key part in obtaining the best student rental insurance. Let me work with you to review your student rental insurance needs and provide you with some competitive options.

    Choice:

    With offices across Ontario, I can find the right student rental insurance for you. Our brokerage represents over 15 insurance companies in Ontario, and 5+ companies that specialize in insuring student rentals. With that many to choose from, we are sure to find you a very competitive student rental property insurance that fits your needs and budget.

    Risk Management:

    Student rentals can be higher risk if you don’t put a risk management policy in place. Consider the following steps before taking on any new lessee’s.
     

    • Request multiple references

    • Have annual leases for each student

    • Have a requirement that each student have their own tenant insurance in the lease

    • Have a requirement that all cooking be done in communal kitchen (no hot plates allowed)

    • Inspect the exterior of the property monthly

    • Inspect the interior semi-annually

    • Have an emergency plan posted in the home in case of fire or medical emergency

    • Have a contract for snow removal to prevent slips and falls, or have a written agreement outlining tenants responsibilities in this matter.
       

    Professional Advice:

    There are very few people that actually review their rental property insurance policy and know what they are covered for. If you are like most people, you just want to know you are protected.  Having your options explained to you is one thing I can promise you. In the event you experience a loss, we can review your claim options together. I will be able to walk you through the claims process to be sure that everything goes smoothly.

    Payment Flexibility:

    Are you looking to pay your premium in full to save the monthly finance fee? Maybe you like to pay for your home insurance monthly from your credit card so you can build your reward points. Whatever your preference, we have a solution for you.

    Additional Coverage:

    Rental Income
    This insurance compensates you for lost rent in the event you have an insurable loss at your property. If the loss is major and the home can’t be occupied while the repairs or replacement are taking place, there is a chance of losing your tenants which means losing your monthly rent.

    Building owner’s contents coverage
    Rental properties often contain some of the landlord’s contents. Coverage for these contents can be added as additional coverage. Generally, the contents are limited to the appliances in the home (washer, dryer, stove, dishwasher).

    Sewer backup coverage
    Water damage is the number 1 source of claims today. The sewer backup endorsement adds coverage to your property policy to protect your home from damage caused by rupture of or escape of water from a sewer, drain, sump, or septic tank.

    Equipment breakdown

    Flood & Earthquake

image

Insurance today often feels like a 'big box' business—impersonal and frustrating. Many people stick with those big companies, assuming they’re getting the best deal.

Our Testimonials

My experience with Steve has been one of great comfort, and respect. When I moved my policy over to Steve, I was ALARMED to find the number of short cuts..

Ready more >

image

Waterdown, ON

William H.

My husband and I were referred to Steve from some friends, and I am so happy we were! From day one he has been nothing but amazing..

image

Hamilton, ON

Read more>

Heather and Dmitry Perov

I’ve been working with Steve and his team for several years. I haven’t calculated the amount of money that Steve has saved me by researching for the best company..

image

Hamilton, ON

Read more>

 Shelley & Dave Johnson

insuremybiz-footer.png

We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.

Moller Insurance 1-64 Sandiford Drive
Stouffville, ON, L4A 3V9

905-407-7071

© 2025 Insurance Advisor All Rights Reserved

905.407.7071

bottom of page