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 that were actually taken with my previous insurance company, and how vulnerable I was. As fast as all the issues came to light, Steve had located multiple quotes inline with my current rates, but even more important with the proper coverage. Steve has maintained a very high level of service throughout my multiple policies, and most recently located a policy for $700 less then my previous year. I value Steve as my Insurance Broker, and knowing the multitude of markets he can search, I trust I am not only getting the best rate, but more importantly the best COVERAGE.
I personally recommend Steve to all my clients, friends, and family,
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. He goes above and beyond to make sure we have everything we need in terms of insurance. He has always taken the time to address our concerns and provided us with great advice along the way. Steve has always found us the best insurance rates and supplied us with detailed information as to what is covered within our plans. We appreciate Steve the most when we have questions or need to submit something through insurance. He responds in a very timely manner, often within hours – Yes even on weekends- which is wonderful. He always follows up and goes through with what he says he is going to do, while keeping us in the loop. We would recommend him to anyone with a guarantee that you won’t find anyone better! Thank you Steve for all your hard work!
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 and price for all of my insurance needs, but I have gone on some great vacations with my savings.
Throughout the time I’ve been with Steve my insurance needs have changed and he is always quick to respond and make the necessary adjustments. Our oldest daughter married and moved out and he also takes care of all of her needs, business and personal insurance. Our youngest daughter started driving a year ago, again, quick to make necessary adjustments. We’ve changed vehicles and every year Steve and his team are great about shopping around for the best deal for us!
I appreciate the hard work and dedication from Steve. I can’t imagine working with anyone else.
Hamilton, ON
Shelley & Dave Johnson
I have had the pleasure to work with Steve on a professional as well as a personal level for a few years. It is hard to find honest, reliable customer service oriented people in today’s industry. And Steve is one of the few left. I have not only recommend clients to Steve, but family and friends, and am proud to say he is my only broker of choice.
Jarvis, ON
Melanie Dell
I cannot say enough about Steve’s dedication, caliber of professionalism and reliability I have experienced over the many years of using him as my insurance broker. He goes above and beyond to help me with any request I have, regardless of the time of day, how small, or how complex my question is. Steve’s expertise and rapid response he provides always amazes me. I happily and confidently will continue to recommend his services to anyone looking for personal or commercial insurance.
Toronto, ON
Julia Martens
We are thrilled with the services that you provide – you are both professional and personable. We feel very comfortable entrusting you with our insurance needs, and we are also very thankful for the work that you have done to help us out. You have saved us thousands of dollars in the past few years! You are easy to get a hold of and prompt with your replies. Whenever people we know are looking for a new insurance broker we always recommend you, and we know several of our friends who have contacted you and been just as happy and thankful for your services as we have been!
Brantford, ON
Nate & Ashley Davenport
I want to express my appreciation for your help with both our business and personal insurance over the years.
As you know, we experienced significant challenges with other brokers/agents when we needed to expand our business insurance to include areas outside of IT consulting. Every other company could only accommodate us by setting up two separate policies. It was such a relief when you were able to provide a single policy that included a rider for the additional services.
On the personal side, even before we switched our policies to you, your service and professionalism stood out. You helped us to identify a critical deficiency in our automobile policy even before we considered switching to you. This professionalism, combined with your solution for our business, made it an easy decision to switch our home and auto insurance to you.
Again, I appreciate you looking after us. I have referred you to others and will continue to do so.
Scott Birmingham
Birmingham Consulting Inc.
Steve has done a great job in looking after my family’s insurance needs. His personalized service has allowed us to take advantage of savings and helped us to get the insurance levels that provide the best coverage. He is quick to respond to both questions and requests for changes in coverage. I consider him to be the best insurance adviser I have dealt with for auto and home coverage.
Mississauga, ON
Peter & Betty Martens
My wife Carolann and I wanted to personally and publicly thank you for helping us find the right insurance products for our home and auto needs. You made us feel comfortable right from the start with your easy-going style and willingness to answer any questions we had. I personally liked how you helped us understand your process and set expectations from the start for turn around time which put us both at ease.
Your presentation and explanation of multiple options was truly appreciated and gave us the confidence that you had searched to find the right insurance solutions to meet our home and auto needs. The savings you found us through this insurance bundle was unexpected given what we had heard in the news, however it truly was welcomed.
Steve, thank you for taking such good care of us regarding out home and auto insurance needs and rest assured that both Carolann and I won’t hesitate to recommend you to our family, friends and business acquaintances. There is really only one questions we found ourselves asking at the end of our process and that is why would anyone you know who has a home or automobile think about getting their insurance handled by anyone else?
Kind Regards,
Burlington, ON
Pat Palmer
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-
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.
Blogs
We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.
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Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9
905-407-7071
© 2025 Insurance Advisor All Rights Reserved
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.
Our Insurance Partners
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:
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Multi-policy discount (insuring auto and property with the same company)
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Multi-property discount (insuring multiple properties with the same insurance company)
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Mortgage free discount
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New Home discount
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Monitored Alarm discount
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Retiree (age) discount
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Claims free discount
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Non-smoker discount
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Loyalty discount
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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.
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Request multiple references
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Have annual leases for each student
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Have a requirement that each student have their own tenant insurance in the lease
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Have a requirement that all cooking be done in communal kitchen (no hot plates allowed)
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Inspect the exterior of the property monthly
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Inspect the interior semi-annually
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Have an emergency plan posted in the home in case of fire or medical emergency
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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-
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 that were actually taken with my previous insurance company, and how vulnerable I was. As fast as all the issues came to light, Steve had located multiple quotes inline with my current rates, but even more important with the proper coverage. Steve has maintained a very high level of service throughout my multiple policies, and most recently located a policy for $700 less then my previous year. I value Steve as my Insurance Broker, and knowing the multitude of markets he can search, I trust I am not only getting the best rate, but more importantly the best COVERAGE.
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. He goes above and beyond to make sure we have everything we need in terms of insurance. He has always taken the time to address our concerns and provided us with great advice along the way. Steve has always found us the best insurance rates and supplied us with detailed information as to what is covered within our plans. We appreciate Steve the most when we have questions or need to submit something through insurance. He responds in a very timely manner, often within hours – Yes even on weekends- which is wonderful. He always follows up and goes through with what he says he is going to do, while keeping us in the loop. We would recommend him to anyone with a guarantee that you won’t find anyone better! Thank you Steve for all your hard work!
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 and price for all of my insurance needs, but I have gone on some great vacations with my savings.
Throughout the time I’ve been with Steve my insurance needs have changed and he is always quick to respond and make the necessary adjustments. Our oldest daughter married and moved out and he also takes care of all of her needs, business and personal insurance. Our youngest daughter started driving a year ago, again, quick to make necessary adjustments. We’ve changed vehicles and every year Steve and his team are great about shopping around for the best deal for us!
I appreciate the hard work and dedication from Steve. I can’t imagine working with anyone else.
Hamilton, ON
Shelley & Dave Johnson
I have had the pleasure to work with Steve on a professional as well as a personal level for a few years. It is hard to find honest, reliable customer service oriented people in today’s industry. And Steve is one of the few left. I have not only recommend clients to Steve, but family and friends, and am proud to say he is my only broker of choice.
Jarvis, ON
Melanie Dell
I cannot say enough about Steve’s dedication, caliber of professionalism and reliability I have experienced over the many years of using him as my insurance broker. He goes above and beyond to help me with any request I have, regardless of the time of day, how small, or how complex my question is. Steve’s expertise and rapid response he provides always amazes me. I happily and confidently will continue to recommend his services to anyone looking for personal or commercial insurance.
Toronto, ON
Julia Martens
We are thrilled with the services that you provide – you are both professional and personable. We feel very comfortable entrusting you with our insurance needs, and we are also very thankful for the work that you have done to help us out. You have saved us thousands of dollars in the past few years! You are easy to get a hold of and prompt with your replies. Whenever people we know are looking for a new insurance broker we always recommend you, and we know several of our friends who have contacted you and been just as happy and thankful for your services as we have been!
Toronto, ON
Nate & Ashley Davenport
I want to express my appreciation for your help with both our business and personal insurance over the years.
As you know, we experienced significant challenges with other brokers/agents when we needed to expand our business insurance to include areas outside of IT consulting. Every other company could only accommodate us by setting up two separate policies. It was such a relief when you were able to provide a single policy that included a rider for the additional services.
On the personal side, even before we switched our policies to you, your service and professionalism stood out. You helped us to identify a critical deficiency in our automobile policy even before we considered switching to you. This professionalism, combined with your solution for our business, made it an easy decision to switch our home and auto insurance to you.
Again, I appreciate you looking after us. I have referred you to others and will continue to do so.
Birmingham Consulting Inc.
Scott Birmingham
Steve has done a great job in looking after my family’s insurance needs. His personalized service has allowed us to take advantage of savings and helped us to get the insurance levels that provide the best coverage. He is quick to respond to both questions and requests for changes in coverage. I consider him to be the best insurance adviser I have dealt with for auto and home coverage.
Mississauga, ON
Peter & Betty Martens
My wife Carolann and I wanted to personally and publicly thank you for helping us find the right insurance products for our home and auto needs. You made us feel comfortable right from the start with your easy-going style and willingness to answer any questions we had. I personally liked how you helped us understand your process and set expectations from the start for turn around time which put us both at ease.
Your presentation and explanation of multiple options was truly appreciated and gave us the confidence that you had searched to find the right insurance solutions to meet our home and auto needs. The savings you found us through this insurance bundle was unexpected given what we had heard in the news, however it truly was welcomed.
Steve, thank you for taking such good care of us regarding out home and auto insurance needs and rest assured that both Carolann and I won’t hesitate to recommend you to our family, friends and business acquaintances. There is really only one questions we found ourselves asking at the end of our process and that is why would anyone you know who has a home or automobile think about getting their insurance handled by anyone else?
Burlington, ON
Pat Palmer
We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.
For Business Commercial
Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9
905-407-7071
© 2025 Insurance Advisor All Rights Reserved
We offer competitive rates, personalized coverage, and dedicated support—because you deserve more than a ‘big box’ experience.
For Business Commercial
Moller Insurance 1-64 Sandiford Drive Stouffville, ON, L4A 3V9
905-407-7071
© 2025 Insurance Advisor All Rights Reserved