Your mortgage lender or vehicle financer requires comprehensive home insurance to protect their financial investment. Your province has a legally required minimum for third-party liability car insurance. You can’t pay out of pocket to rebuild your home, replace your belongings, repair your car, or cover medical expenses abroad.You want to protect your recreation time by helping to cover costs of repairs or replacement if something happens to your ATV, boat, RV or another toy.You want to provide for your family in case something happens to you.You need additional benefits coverage such as dental or drug.You want peace of mind with the knowledge you’ll have help in the event of a catastrophe