There is no such thing as one-size-fits-all insurance. Every situation is different, particularly when it comes to cottages in Muskoka.
Maximizing your coverage and reducing your exposure starts by looking closely at the risks, and asking what you need to be insured against, and for how much.
The team at Muskoka Insurance Brokers understands that each of their clients needs their own insurance solutions. That’s why they maintain a very high level of personal contact and service, including site visits to assess exposures and risks that property owners may not know about.
“We dig deeper and get to know each of our clients’ needs,” says broker Angie Scott. “We know our clients and see them in person. To find the best and most comprehensive coverage, we visit our clients at their properties to give us the insight needed to find an individualized insurance solution.”
Still a locally owned and operated brokerage, Muskoka Insurance Brokers provides their added-value boutique insurance service throughout Ontario, not just in Muskoka.
Their team is large enough to handle the needs of their communities, but small enough to know their clients very well. It’s a stark contrast to large national brokerages where you’re just another number and may never deal with the same representative twice. And having someone visit your property? Forget it.
Angie knows that as life goes on, things change, and that means insurance needs change. That’s why they work to build strong and long-lasting relationships with their clients.
“We know how many kids our clients have, who is driving their cars and boats, who is using their property. And that all helps us ensure they are adequately covered,” explains Angie. “As well, we keep up with lifestyle changes and life events to make sure you always have the right coverage – whether it’s the birth of a child, an addition to your home or cottage, or the purchase of a new car.”
High value insurance
Muskoka Insurance Brokers often partners with Aviva Ovation, which specializes in high value properties, an ideal fit for most cottagers and homeowners in Muskoka.
“They also have an appetite for island properties and water access locations,” explains Angie, “offering competitive rates for those property classes.”
No matter the location – on the mainland or on an island – having appropriately tailored insurance is an essential part of protecting yourself and your assets.
TEXT CHRIS OCCHIUZZI | PHOTOS ANDREW FEARMAN