Your best insurance is an Insurance Broker.

* “In Canada, you can purchase insurance a) directly from an insurance company; b) from an agent who represents only one insurer and can only offer that company’s products; c) on the Internet; through a group company or association purchase or d) through an insurance broker who can offer a choice of coverage from various insurance companies.

Insurance brokers do not work for an insurance company, they work for you.  That’s the key thing that separates them from all other purchase options.  It means you have more advice, more choice, better pricing and a representative that’s on your side in the event of a claim.”

* Source: Insurance Bureau of Canada (IBAC)