JEFFERY & SPENCE
Insurance Blog
We provide personal and professional insurance services in Guelph, Ontario, and surrounding areas.
Expert Insurance Tips for Businesses & Families
7 Home Changes That Can Make It Worth Reviewing Your Home Insurance
Your Home Changes Even When Your Address Doesn't Your address may stay the same for years, but the home behind that address rarely stays exactly the same. Renovations get completed, belongings...
Commercial Insurance vs. Business Insurance: What’s the Difference in Ontario?
Small business owners in Ontario often come across the terms "commercial insurance" and "business insurance" while researching ways to protect their companies. At first glance, the two phrases...
What Counts as Business Use for Vehicle Insurance in Ontario?
Many Business Owners Assume Personal Auto Coverage Is Enough Many small business owners use the same vehicle for both personal and work-related activities. Because the vehicle is often driven for...
What Guelph Homeowners Should Look for When Comparing Insurance Brokers
Choosing an insurance broker is often about more than finding the lowest premium. For many homeowners, the decision affects how easily they can review coverage, ask questions, and manage changes...
Are You Underinsured? Common Home Insurance Gaps Guelph Homeowners Miss
Why “Standard Coverage” Often Isn’t Enough in Guelph Many homeowners assume that once they have a policy in place, their property is fully protected. In reality, coverage can vary, and standard...
Seasonal Home Insurance in Ontario: What Cottage Owners Should Know
Why Cottage Insurance Matters In Ontario Your cottage brings family together, yet it faces different risks than your Guelph home. Long gaps between visits invite weather damage, theft, and small...
Does Home Insurance Cover Mold Remediation in Ontario?
Why Mold Is On Your Radar In Ontario Moist summers. Freeze–thaw winters. Older basements across Guelph. These conditions help mold take root. You care about your family’s health and your property...
How to Switch Home Insurance Without Interrupting Your Coverage
Switching home insurance can be a daunting task for many homeowners. However, understanding the right steps and timing can ensure that your coverage remains uninterrupted during the transition. This...
What Is GAP Insurance for Cars & When Do You Need It?
Why Understanding What GAP Insurance Is Matters In Guelph You drive a new car off the lot and feel great. Then a winter fender‑bender or a write‑off changes the math. In that moment, GAP insurance...
Does Home Insurance Cover HVAC Replacement Due to Electrical Fluctuations?
Your HVAC System & Why It Matters In Guelph and across Ontario, heating, ventilation, and air-conditioning (HVAC) systems keep homes comfortable through humid summers and frosty winters. When...
How to Get Accurate Auto Insurance Quotes in Guelph
Navigating the auto insurance market can be a daunting task. Especially when you're trying to find the most accurate quotes in Guelph. This guide is here to help. It will provide you with practical...
What is Home Insurance and Why is it Essential for Every Homeowner?
Homeownership is a major life milestone—an achievement that reflects stability, success, and long-term commitment. But beyond the pride of owning a home lies a significant financial investment that...