If you have assets in Perth, you need insurance. Whether you’re looking for insurance products to address personal or business needs, the people at Finnegan’s strive to bring you choice. “As a broker, you can really shop around for your customer,” says Terry Finnegan. “We can get the best rates for the products our customers want.” Our brokers provide a personalized approach to your insurance policy, taking the time to understand your needs and finding a policy to suit them. We will also go over the basics provided in all policies, and what you might want to consider for optional benefits. We offer insurance options for the following:
Classic and collector vehicles
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When we get to know you and your vehicle, we will explain what kind of coverage your policy will provide. Ontario has a very comprehensive accident benefits section that needs to be tailored for each policy. We will take the time and make sure you understand all the basics in all the policies and what you might need for the optional benefits.
Our conversation with you will also determine what kind of discounts you are eligible for and what extra endorsements or coverages you may need to be properly insured. Some of the discounts that can apply are:
Some people do not have years of safe driving and many years without claims. We have options for you whether you do or not. Give us a call to learn more.
Whether you are a homeowner or a tenant in a house or apartment, you will require insurance. Our brokers will talk to you and determine what type of policy will best suit your needs.
Insurance for Homeowners
The largest investment you can make is buying your own home. It is imperative that you are able to sleep at night knowing that your home is properly insured. You want to have somewhere else you can go if your home burns down, and you want to be able to rebuild your home and resume your life. You want to be able to replace your treasures. We can help you obtain that peace of mind.
We are also able to offer further coverage for home-based businesses, riding horses, bylaws that affect your ability to rebuild on your site, additional locations, jewellery, collections, students away from home, parents in nursing homes, and more. We ask questions designed to help get to know you and your home and allow us to figure out what discounts apply to you. We look forward to assisting you in protecting your home.
Insurance for Tenants
“I don’t need an insurance policy. My contents aren’t that valuable.” This is a misconception we hear coming from tenants all the time. Contrary to belief, tenants do have a need for a Tenants Package. This policy covers those contents for replacement cost. For example, if you have a working stove that is ten years old and it is destroyed in a fire or by lightning, your policy will replace it with a new stove, minus the deductible. However, the most important section in the Tenants Package is the liability section. It covers you if someone is hurt in your home or apartment – often known as slip-and-fall claims. Tenants Legal Liability covers fire, smoke, and water damage to your home or apartment that you might be responsible for. Examples can include leaving a pot on the stove, causing fire or smoke damage, or forgetting to turn the bath faucet off, causing water damage to the home. Your landlord’s insurance company will generally want you to pay for that damage, but a Tenants Package policy will respond on your behalf.
If you consider a Tenants Package, our brokers would be more than happy to discuss your options, coverage, and premiums. Please call us for more information.
There’s nothing quite like getting away from daily life and your cottage provides a place where you, your family, and your friends can do just that. Let us look after the insurance for your home away from home, so you can rest easy. We work with a variety of companies that have a variety of options for your cottage. All the choices will be explained so that you can choose the one that suits you best. We anticipate hearing about your getaway.
We represent many marine insurance companies with pride. This gives you options when insuring your watercraft. Whether it is an aluminum fishing boat, a personal watercraft such as a Jet Ski, bass boat, pontoon, runabout, cruiser, or a yacht, we can shop for your insurance. There is even an option to insure smaller boats on your homeowner policy. Let us provide a quote for your home, auto, and watercraft package for discounting.
The list of investment possibilities in this day and age is lengthy to say the least. You work hard to earn your money – you want to choose your investment products wisely so that in return, your money can work hard for you. Whether you are looking to invest short-term for an eventual special purchase or long-term for your retirement goals, Mainspring Financial Group’s knowledgeable staff are here to help guide you through the choices that are available to you. Mainspring represents over 45 banks, trust companies and credit unions. Mainspring Financial Group offers competitive rates on: