Many GTA residents are shocked to learn their home and auto insurance policies don’t cover everything. Discover the most common exclusions and how to protect yourself from costly surprises

Ontario homeowners and drivers are facing steep insurance rate hikes in 2025, with many seeing double-digit increases on their home and auto policies. Driven by climate-related disasters, rising repair costs, and a surge in auto theft, these premium spikes are reshaping household budgets across the province. Discover what’s fueling these increases and learn practical strategies to help manage your insurance costs in this challenging market.