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Frequently Asked Questions on Insurance Policies
Auto Insurance
How can I lower my auto insurance premiums?
At Roughley Insurance Brokers, we often suggest several strategies to help lower your auto insurance premiums. These include bundling your auto insurance with other policies like home insurance, increasing your deductible, and taking advantage of available discounts such as those for being a safe driver or installing anti-theft devices.
What factors affect my auto insurance rates?
Your auto insurance rates are influenced by several factors, including your driving history, the type of vehicle you drive, and where you live in the Durham Region. At Roughley, we evaluate all these factors to ensure you get the best possible rate.
What coverage do I need beyond the minimum required by Ontario law?
While Ontario law mandates a minimum level of coverage, Roughley Insurance Brokers recommends considering additional coverage such as collision, comprehensive, and higher liability limits to better protect yourself in the event of an accident.
How does an accident affect my insurance?
If you're involved in an accident, your insurance premiums may increase, especially if you're found at fault. At Roughley, we work with you to understand how your particular situation will impact your insurance and explore options to mitigate any increases.
Home Insurance
What does my home insurance policy cover?
Your home insurance policy with Roughley Insurance Brokers covers a range of essentials, including the structure of your home, your personal belongings, and liability for accidents that occur on your property. We’ll help you understand the specifics of your policy so you know exactly what’s covered.
How much home insurance do I need?
The amount of home insurance you need depends on factors like the cost to rebuild your home and the value of your personal belongings. At Roughley, we assess your situation and recommend a coverage amount that ensures you’re fully protected.
Are there any discounts available for home insurance?
Yes! Roughley Insurance Brokers offers several discounts, including savings for having a home security system, bundling your home and auto insurance, and maintaining a claims-free history.
What is the difference between replacement cost and actual cash value?
Replacement cost covers the full cost of replacing your belongings without depreciation, while actual cash value takes depreciation into account. At Roughley, we typically recommend replacement cost coverage to ensure you can fully recover your losses.
Life Insurance
What type of life insurance should I get—term or whole life?
Whether you choose term or whole life insurance depends on your individual needs and financial goals. Term life is more affordable and provides coverage for a specific period, while whole life offers lifelong protection and a savings component. Roughley Insurance Brokers can help you determine which option best suits your situation.
How much life insurance coverage do I need?
The right amount of life insurance depends on factors such as your income, debts, and the financial needs of your dependents. At Roughley, we’ll work with you to calculate the coverage that provides peace of mind for your loved ones.
What happens to my life insurance policy if I move out of Ontario?
If you move out of Ontario, your life insurance policy with Roughley Insurance Brokers remains valid. We’ll assist you with any necessary adjustments to ensure your coverage continues to meet your needs.
Can I change my life insurance policy as my needs change?
Yes, you can adjust your life insurance policy as your circumstances evolve. At Roughley, we understand that life changes, and we’re here to help you update your coverage whenever necessary.
Business Insurance
What type of insurance does my business need?
The type of insurance your business needs depends on various factors, including the industry you’re in and the size of your business. Roughley Insurance Brokers can guide you through the options, from liability to property insurance, to ensure your business is fully protected.
How much coverage should I have for my business?
Determining the right amount of coverage is crucial. Roughley will work with you to assess your business's unique risks and recommend coverage that safeguards your assets and operations.
What is covered under a commercial general liability policy?
A commercial general liability policy covers your business against claims of bodily injury, property damage, and personal injury. Roughley Insurance Brokers will help you understand the scope of this coverage and how it applies to your specific business.
How can I reduce my business insurance costs?
To help reduce your business insurance costs, Roughley Insurance Brokers can suggest risk management practices, such as implementing safety programs, and bundling multiple policies for potential savings.
Health and Travel Insurance
What does travel insurance cover?
Travel insurance with Roughley covers medical emergencies, trip cancellations, lost baggage, and more. We’ll tailor a policy that meets your travel needs, ensuring you’re protected wherever you go.
Is my health insurance valid outside of Ontario?
Your Ontario health insurance provides limited coverage outside the province. Roughley Insurance Brokers can arrange supplemental coverage to ensure you’re fully protected when traveling.
Do I need supplemental health insurance?
Supplemental health insurance is recommended to cover costs that aren’t included in your provincial health plan. Roughley Insurance Brokers can help you find a policy that fills these gaps, providing you with comprehensive health coverage.
Still have any questions?
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Get in touch for information or questions you need answered.
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(843) 971-1906
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