The Personal Insurance Blog

The Personal Insurance Blog | Your Insurance Knowledge Resource. The Blog is your insurance resource on Personal Insurance provided to you by Guild Insurance Brokers & HMS Insurance Agencies.

November 1, 2017
Top 10 Reasons Why You Need Renters Insurance

Why You Need Renters Insurance

Are you renting an apartment, house, condo, or any other property that you do not own? If so, you need renter’s insurance. Also known as tenant insurance or contents insurance, this type of coverage protects you and your possessions from potential catastrophe. Many Canadian tenants are vulnerable by not obtaining renter’s insurance.
December 20, 2017
Your Home Insurance Explained by your Home Insurance provider Guild/HMS Insurance

Home Sweet Home: What Home Insurance Do I Need?

If you have bought or are buying a home, you will need home insurance. How does home insurance work? What is the best type of home insurance coverage? What factors affect my home insurance premiums?
April 11, 2018
Guild/HMS Insurance Group Spring Melt Tips

Spring Melt Tips

Winter looks to be over, which hopefully means you have successfully navigated another cold season without burst pipes and flooding. Remember: most home insurance policies do not cover overland flooding.
June 8, 2018
What Happens If I Don’t Have Renter’s Insurance?

Do I Need Renters Insurance? Top 10 Reasons Why You Do

Do I need Renter’s Insurance? Most lease or rental agreements have a provision that advises the Tenant to carry Renter’s Insurance to protect the tenant from any loss or damage. But statistics show that less than half of renters in Canada (42%) have Renters Insurance.
September 20, 2018
Prevent claims as it cools down - Guild/HMS Insurance

Prevent Claims As It Cools Down

Fall is here and we need to embrace it! No matter how fast summer went by, eventually the cold temperatures are going to catch up to us. Check out some tips to prevent claims as it cools down.
October 4, 2018
What Happens If I Don’t Have Renter’s Insurance?

What Happens If I Don’t Have Renters Insurance?

If you are renting a property and want to protect yourself from personal property losses and legal liability, tenants/renter’s insurance is the type of coverage you must have.
November 29, 2018
Snowmobile Insurance Blog Guild/HMS

What Is Snowmobile Insurance Really All About?

If you are renting a property and want to protect yourself from personal property losses and legal liability, tenants/renter’s insurance is the type of coverage you must have.
June 20, 2019
The Guild/HMS Accessibility Policy

Our Accessibility Policy

Guild/HMS Insurance Group is determined to accommodate the needs of all customers, regardless of ability. We are committed to treating all people in a way that allows them to maintain their dignity and independence and are focused on identifying, removing and preventing barriers.
July 8, 2019
7 Frequently Asked House Insurance Questions

7 Frequently Asked House Insurance Questions

House insurance is must-have protection for every homeowner. Not only will your bank or mortgage lender require that you have a house insurance policy in place, but you will also want one and need one for safety and peace of mind.

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