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.

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

For Business Commercial

Commercial Auto Insurance

Commercial Property Insurance

Cyber Liability Insurance

Directors & Officers Insurance

General Liability Insurance

Medical Malpractice Insurance

Manufacturing Insurance

Office Professional's Insurance

Professional Liability Insurance

Technology Business Insurance

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

905-407-7071

Steve@MollerInsurance.com

About us

Help

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 >

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..

Hamilton, ON

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..

Hamilton, ON

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.

Frequently Asked Questions

Commercial real estate insurance

Mar 12, 2025

2 min read

Updated: Mar 12, 2025

Coverage:

If you own property, then you will want to protect your investment against damage. Student housing, retail shops, commercial building owners can all qualify for Commercial Real Estate Insurance to help protect your interests.

There are many types of coverage that can protect your property, depending on your needs. These include

Building coverage,
Loss of income,
Equipment breakdown
Protection against floods
Earthquake coverage

Choice:

We represent more than 15 Ontario insurance companies, so I am able to get you the best coverage for your commercial property at a rate that fits your budget.

Call our office today so we can sit down together and go over the risks your commercial real estate assets face and find insurance solutions to protect you. I will even walk with you through any claims that you may need to make so you can be confident it will go smoothly.

Discounts:

Many insurance companies also offer discount programs that we can look into as I am happy to work with you to maximize your businesses discount without compromising coverage.

These can include:

Multi-policy discount, which is offered to those who buy different policies from the same company
Higher deductibles are also less expensive

Professional Advice:

When you need your property protected, commercial real estate insurance is a necessity. I have over four decades of experience and can get you the best coverage for your investment. When it comes time to make a claim, I can guide you through the process. Our skilled staff is always available to answer any questions you have.

Payment Flexibility:

There are various ways to pay for coverage including paying the premium in full, monthly instalments and other options. Let’s work together to find a solution that fits for you.

Call now for your free and competitive quote.

905.407.7071

3 Comments

Eron Finch

Jul 24

Commercial real estate insurance is essential for protecting business properties against unexpected risks such as fire, theft, and liability claims. Having the right coverage helps property owners safeguard their investments and maintain financial stability. A strong online presence through social media dublin can also help real estate businesses connect with potential clients and strengthen their brand. Great insights in this article. Thanks for sharing!

eskill 306

Jul 17

Commercial real estate insurance is an important consideration for property owners and investors, as it helps protect against unexpected risks such as property damage, liability issues, and business interruptions. Staying informed about local market trends, regulations, and economic developments can also help property owners make better decisions. Resources like the irish insider provide useful insights into Ireland’s business and property landscape.

James Smith

Jun 18, 2025

I didn’t realize how flexible commercial property insurance Canada plans can be. This post helped me understand what kind of coverage I need.

Our Insurance Partners

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.

View All

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

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

Read All

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 >

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..

Hamilton, ON

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..

Hamilton, ON

Shelley & Dave Johnson

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

For Business Commercial

Commercial Auto Insurance

Commercial Property Insurance

Cyber Liability Insurance

Directors & Officers Insurance

General Liability Insurance

Medical Malpractice Insurance

Manufacturing Insurance

Office Professional's Insurance

Professional Liability Insurance

Technology Business Insurance

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

905-407-7071

Steve@MollerInsurance.com

About us

Help

Our Testimonials

William H.

Heather and Dmitry Perov

Shelley & Dave Johnson

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)

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.

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

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

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

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.

Frequently Asked Questions

Coverage:

Choice:

Discounts:

Professional Advice:

Payment Flexibility:

Call now for your free and competitive quote.

905.407.7071

3 Comments

Popular posted

Home inspector licensing legislation tabled in Ontario

Stolen Car? Most Likely This Make

5 Legal Risks Facing Businesses in 2016

Installation Floaters for Subcontractors

Categories

Our Insurance Partners

Frequently Asked Questions

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

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.

Frequently Asked
Questions

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.