OUR GOAL IS TO MAKE BUYING INSURANCE AS SIMPLE AND CONVENIENT AS POSSIBLE.

At Mello Insurance, we want you to have the best insurance coverage at the best price available, and delivered in the most convenient way. We have 3 simple packages for you to choose from: “Practical, Popular and Premium.” When buying tenant or condo insurance, the best place to start understanding which package to choose from, is your belongings. When you look at all of your belongings and you add up what it would cost if you were to buy them all brand new today, that should be the amount of insurance you would want to purchase for your belongings. This is what us insurance people call “Replacement Cost Coverage.” Once you select your package you can easily increase that belongings amount if it does not reflect a high enough value. Mello Insurance also has simple options for adding high value bikes, jewelry, fine arts, etc. Home/Tenant/Renter insurance is not mandatory, however, there are many landlords or mortgage companies that will require you to have it on the day you move into your new place. It is still in your best interest to have insurance even if your landlord does not require you to have insurance or your mortgage is paid off.

When purchasing your home insurance, our platform uses collected data of your location to calculate the replacement cost value of your home. With that information, we can quote your home insurance to include “Guaranteed Replacement Cost” coverage. This coverage gives you peace of mind, knowing your home is fully covered, even if the cost to rebuild your home six months into the policy term, is higher than what you are currently insured for.

INSURANCE RISKS FOR HOMEOWNERS & RENTERS IN ONTARIO

Homeowners in Ontario face a variety of insurance risks that they should be aware of to protect their property and financial security. Here are some of the key risks to consider:

1. Weather-related damage: Ontario is no stranger to extreme weather, including heavy rain, snow, ice storms, and windstorms. These weather events can cause significant damage to homes, particularly in areas prone to flooding or high winds.
2. Water damage: Water damage can occur from many sources, including leaky pipes, burst pipes, and flooding. Even a small amount of water damage can quickly escalate into a major problem, leading to mold growth, structural damage, and costly repairs.
3. Fire damage: Fires can cause devastating damage to homes and can occur for a variety of reasons, such as electrical issues, cooking accidents, and smoking. It is important to have adequate insurance coverage to protect against fire damage.
4. Theft and vandalism: Homeowners in Ontario may face the risk of theft and vandalism, particularly in urban areas. Adequate insurance coverage can help protect against the financial losses associated with these risks.
5. Liability: Homeowners can be held liable for injuries or damage that occur on their property. Liability coverage can protect homeowners from costly lawsuits and medical bills.

It is important for homeowners in Ontario to understand their insurance risks and to have adequate coverage to protect against them. Working with a knowledgeable insurance agent can help homeowners assess their risks and choose the right coverage options to protect their property and financial security.

WHY CHOOSE ONTARIO TO LIVE IN?

Economy

Ontario, in many ways, is the centre of most activity in Canada. It has created a hub of economical, social and political opportunities. With its diverse economy – automobile, machinery & electrical parts (Chrysler, Ford & Honda); to mining and forestry, and form hydroelectric energy to small grain and fruit farming in Southern Ontario.

Culture

Ontario is melting pot of diverse culture. With over 28% of the people being foreign-born, it is the bedrock of cultural diversity in Canada. Today there are over 100 languages spoken in homes throughout the province.

Education

The top-rated University of Toronto is ranked 18th in the world. Other notable universities include University of Ontario, University of Ottawa and Queen’s University.

Attractions

By far, the most popular attraction in Ontario is the well-known Niagara Falls. With over 3,160 tons of water flowing over Niagara Falls every second! No wonder it attracts more than 8 million visitors every year.

Of course the sports attractions include the World Champion NBA team – Toronto Raptors. The MLB favourite – Toronto Blue Jays and the classic NHL team – Toronto Maple Leafs, which shouldn’t overshadow the Ottawa Senators. Yonge Street in Toronto is home of the amazing Hockey Hall of Fame. Make sure you stop in there to see the greatest to have ever played the game.

CFL has a prominent presence in Ontario with the Toronto Argonauts, Ottawa Redblacks and the Hamilton Tiger Cats.