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...
JEFFERY & SPENCE
Home Insurance
We provide personal and professional insurance services in Guelph, Ontario, and surrounding areas.
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...
Does Home Insurance Go Up with a Finished Basement? Key Factors to Consider
You’ve finally turned that dark, underused basement into a bright guest suite, a cozy family room, or maybe even your dream home gym. The value and comfort it adds are obvious. But many homeowners...
Does Home Insurance Cover Water Damage? Here’s What Guelph Residents Should Know
Does Home Insurance Cover Water Damage? Here's What Guelph Residents Should Know Water damage can turn your peaceful home into a disaster zone, destroying your belongings and leading to expensive...
Complete Guide to Home and Auto Insurance in Guelph
Keeping track of separate home and auto insurance policies can be complicated. Different providers, multiple payments, and varying coverage terms make it challenging to stay organized. Bundling home...
Does One Traffic Conviction Impact My Insurance?
Law-abiding Ontarians don’t purposely intend to break the law when driving, but speeding does happen from time to time. Whether conscious or unconscious, sometimes our lead foot can get the best of...
The Insurance Claims Process
If you ever encounter a situation where you need to make a claim, it’s important to understand the insurance claims process. The team at Jeffrey & Spence want to make sure you have the knowledge...
What Does Home Insurance Cover for Water Damage?
Water is one of the most common ways for a home or property to be damaged. There are many potential sources of water damage. From municipal sewers to nearby lakes and rivers to the rain falling on...
Special Limits of Home Insurance
Do you know what the Special Limits of your home insurance policy are? If you don’t, you’re not alone. Most home insurance policies include a Special Limits section that outlines specific items and...
How To Protect Your Home In The Winter
Winters in Ontario can be more than just unpleasant — the snow, wind, and ice can cause severe damage to your home, potentially costing you thousands of dollars in repairs. While some damage may be...
What Type of Home Insurance Should I Get?
When it comes to choosing a home insurance policy, there is no such thing as “one size fits all”. While this can make it more complicated to choose the best insurance policy for your needs, it also...
Insurance Tips For Getting The Best Rate
At Jeffery & Spence Insurance, we understand that everyone’s life is different. You may have multiple vehicles, a century home, a cottage, or highly valuable belongings — all of which can impact...