All home insurance policies generally cover two main areas, Property and Liability. Property insurance includes your house and any detached structure located on your premises such as a shed or garage. Your family's personal items are covered whether damaged in your home, car, or temporarily away from your residence.

Which convictions are minor, which are major, and which are criminal?

7,896 tickets issued in Toronto, as reported last week by the police on their crackdown for driver's producing licensing, ownership and insurance documents.

Police issued tickets and convictions will dramatically increase your car insurance rates, however, Photo Radar tickets have no affect on your auto insurance rates.

Is the fear of higher insurance rates influencing your decision on buying a new car?

These rates were based on a 35 year-old driver in Toronto (M5C 2C5) with 19 years license and insurance experience. Coverages are $1 million for liability, $500 collision deductible and $300 comprehensive deductible. 10,000 annual km with a commute distance of 5 km one-way to work. The vehicle was a 2001 Chrysler Intrepid 4 DR.

Insurers just announced another record profit of $4.2 billion dollars. Many feel they've made this money from the pocketbooks of the drivers, and not as a result of a return on their investments.

If you're paying more then you feel is right for your car, home, life or business insurance, your insurance company may be trying to tell you something. It's called a 'Go Away Rate.'

I was wondering when the financial community would start including InsuranceHotline.com as part of their portfolio for saving their clients money, instantly.