Personal Insurance, Protection that matters

Whether you are a commuter, road tripper or grocery-getter, your car insurance protects more than just your vehicle. It protects you and the people who travel along with you.  The costs, both financial and physical, that come from an automobile accident can be overwhelming.  Seeking the lowest premiums possible is tempting, however the short-term savings may cost you more in the long run.

C. M. Steele Insurance Brokers Limited will make sure you get the proper coverage for your lifestyle, vehicle and needs.  For affordable auto insurance you can trust, call us at 905-835-2417 or email us. Of course, we always welcome walk-ins.  Visit our office at 46 Charlotte Street, Port Colborne, Ontario, L3K 3C8 today.

Everyone knows you’re required to purchase auto insurance to drive your vehicles legally. But that doesn’t mean you can’t wonder where your hard-earned money is going as you sign on the dotted line.

When it comes to Antique and Classic Auto insurance, premiums generally include the same basic coverages as standard automobile insurance.
But as special coverages for special cars come into play, that’s where the similarities often end.

Now every insurance company operates a bit differently, so we’ll use the insurance Hagerty sells as an example, because that’s obviously what we know best (and let’s be honest, we think it’s a pretty darn great company).

First, here are the basic coverages included on most insurance policies, no matter the type or age of the vehicle.

Liability. If you cause an accident, liability insurance will cover injuries to other people, It also covers damage to property, such as the person’s car, or the fence in someone’s yard (among other things).

Uninsured motorist. This coverage protects you if another driver causes an accident and they don’t have insurance (or enough insurance) to cover your expenses.

Physical Damage. This coverage relates to your own car or vehicle and it’s broken down into collision and comprehensive. Collision covers your vehicle if it literally collides with another object (such as a car or tree), or it rolls or turns over. Comprehensive covers your car if it’s damaged by something else apart from a collision, such as natural disasters, falling objects, or animal damage.

No Fault or Personal Injury Protection- Accident Benefits. This type of protection helps pay for your own medical expenses and lost wages when you’ve been in a covered accident, no matter who caused the accident.

Now that we’ve covered the basics, we can explore a few of the special coverages that define specialty insurance.

Agreed Value. Almost all established specialty insurers offer something called Agreed Value coverage, in which you agree on a price with your insurance provider -- and if you’re involved in an accident that’s a covered total loss, you receive the full amount of your car’s insured value less any deductible or salvage value if you keep your car with no depreciation*. If you own a classic or a vehicle that’s collectible and increasing in value, Agreed Value is a no-brainer.

Call C. M. Steele Insurance to learn more about Antique and Classic Car Insurance or for a quote.  Phone us at 905-835-2417 or email us. We are located at 46 Charlotte Street, Port Colborne, Ontario L3K 3C8.  Please drop by anytime.  We would be happy to meet with you.

If you like to hit the open road and ride your motorcycle, make sure you have the right motorcycle insurance. City or highway... no matter where you ride, make sure you’re protected.

Motorcycle insurance is very much like auto insurance in terms of coverage. Offering protection such as:

• Bodily Injury & Property Damage Liability coverage
• Accident Benefits coverage
• Uninsured motorist coverage
• Custom parts and equipment
• Physical damage and theft coverage

Many discounts are also available including:

• Homeowner discount
• Multi-policy discount
• Safety course discount
• Claims free discount

Contact C. M. Steele Insurance Brokers for a motorcycle quote with coverage options fit for your ride and lifestyle.  You can click here for an instant quote or give us a call at 905-835-2417 or email us. Also, we always welcome walk-ins. We are located at 46 Charlotte Street, Port Colborne, Ontario L3K 3C8.

From sailing Lake Erie, taking the family water skiing or dropping the anchor at the beach, make sure that your vessel and all of your passengers are properly covered.At C. M. Steele Insurance Brokers we will provide you with coverage designed with your busy lifestyle in mind. Our mission is to provide great boat and watercraft insurance, catered to you specifically, no matter where your boating travels take you.We can provide coverage for:

• Sailboats
• Cruisers
• Inboards
• Outboards
• Personal Watercrafts
• And more

Contact C. M. Steele Insurance today for more information on boat insurance in Ontario and get a free quote on your boat. 905-835-2417 or email us. You can also submit your information here and we will contact you.

Condo, townhouse, cottage, or single family home… regardless of whether you are a homeowner, tenant/renter or own a seasonal home, the place that you call home is a very important place and one of the biggest investments you will make.

If tragedy happens to strike, how will you be able to repair or rebuild your home?

How will you go about replacing all of your belongings?

While no one likes to picture themselves in an unfortunate situation, being able to have the peace of mind knowing that your insurance has you protected against losses such as, fire, theft, wind or water damage makes it easier for you to enjoy your home stress-free.

At C. M. Steele Insurance Brokers we tailor your property insurance policy to your needs in order to make sure you have the best protection for your home and contents, while ensuring you are receiving the best value possible.  For a quote, click here or call 905-835-2417 or email us. 

Condo insurance protects your personal belongings and any improvements or betterments that have been made to your condominium unit.  In addition you are protected against liability claims brought against you in case you damage any of the other units or other property and if someone gets hurt while visiting your unit.While insuring your condo is not mandatory, it is definitely something to strongly consider to keep yourself and your belongings protected.Contact C.M. Steele Insurance Brokers for a comprehensive review of your Condominium Insurance needs...  905-835-2417 or email us. 

Do you enjoy your piece of paradise all year round, or seasonally?  How you use your cottage property affects the type of insurance you need.   Do you rent out your cottage to others?  Let C. M. Steele Insurance Brokers tailor a package that fits your needs, such as:

Broad Coverage gives you extended protection for your year-round cottage.  It includes coverage for detached buildings, like a boathouse or shed, as well as your belongings.

Basic Coverage protects seasonal cottages and your belongings when your cottage is not used during the winter.  This plan gives you the option to add protection for seasonal detached buildings, lower content limits and choice of deductibles.

C. M. Insurance has been looking after Cottages and Seasonal Homes for over 100 years.  Here is just a few details of what we have available.

• Secondary and Seasonal packages available
• Out of Province and US residents eligible
• Wet Boathouse coverage available, dock coverage included
• Various deductible options available from $500 to $5,000
• Mature, new build, multi policy, claims free and alarm discounts available
• $1,000,000 liability included.  Increase to $2,000,000 or a higher limit of Liability

Call 905-835-2417 or email us to find out more.

Why Do You Need Tenant Insurance?As a tenant, you are legally responsible for any damage you cause to any part of your building and for unintentional harm caused to others who live in or visit the property. For example:

• If your known faulty toaster oven starts a fire that damages not only your apartment, but the entire complex, you may have to pay for the damage to your unit and the rest of the complex.
• If someone slips and falls in your apartment, you may be held financially responsible for the cost of the injured person’s damages.

Think about all the things you own – the furniture in your bedroom and living room and all the items in your bathroom and kitchen. Think about the clothes, household items, toys, electronics and other things. Now imagine having to replace all of those items at once due to fire or certain types of water damage.

Contact C.M. Steele Insurance Brokers for your Tenant Insurance needs. Call 905-835-2417 or email us to find out more.  You can also get an instant quote for Tenant Insurance, by clicking here.