The Commonwell Agency

09/01/2026

🎓🏠 Heading Off to College or University? Don’t Forget About Insurance!

It’s that time of year again! As I get ready to pack up my own kids for their second year of college, it’s a great time to remind other parents about something that can easily get overlooked in all the preparations — insurance!

In many cases, a student who is living away from home temporarily to attend school can have their personal property and liability coverage extended under their parents’ policy. This can help protect things like:

💻 Laptop and electronics
📱 Cell phone
🎮 Gaming equipment
👕 Clothing and personal belongings

There can be specific requirements and limitations depending on the policy and the student’s living arrangements, so it’s always a good idea to check with your insurance agent before they head off.

🎓 Sending a student off to school this fall? Give us a call and let’s make sure they’re covered!

07/31/2026

07/30/2026

Who's ready for the Lombardy Fair this weekend? 🎡🎉

It's going to be an action-packed weekend, and you won't want to miss the Demo Derby! 🚗💥 Bring your family and friends, enjoy the fair, and get ready for some exciting smash-up action.

Who'll be there? Let us know in the comments! 👇

07/24/2026

We talk about coinsurance quite often because it's one of the most important and most misunderstood terms in insurance.

Most property insurance policies include a coinsurance clause, which requires your property to be insured to 80%, 90%, or even 100% of its replacement cost. If it's insured for less than the required amount, you could end up paying part of a claim yourself even if it is only a partial loss.

This is why keeping your insurance values up to date is so important. An outdated property value could have a significant impact on your claim settlement when you need your coverage most.

If you'd like to better understand how coinsurance works or have questions about any part of your insurance policy, we'd be happy to help. Give us a call we're always here to answer your questions and make insurance easier to understand.

07/14/2026

Stay cool, stay hydrated, and remember... if you see us outside, it's because our A/C stopped working.

07/09/2026

☀️ Summer is here, and so are unexpected storms, heavy rain, and extreme heat!

As you enjoy road trips, backyard BBQs, and time at the cottage, take a moment to review your insurance coverage. Summer weather can bring sudden wind damage, flooding, fallen trees, and other costly surprises.

✅ Review your home insurance
✅ Make sure valuable outdoor items are protected

A little preparation today can help you enjoy a worry-free summer tomorrow.

Need a policy review or have questions about your coverage? Contact us—we're here to help!

06/24/2026

🌿 Tick Season is Here – Protect Yourself and Your Family 🌿

With hotter summers and milder winters, ticks are expanding their range across Ontario. As a result, cases of Lyme disease are on the rise, putting everyone at risk—especially farmers.

To help reduce your risk of tick bites:

✔️ Wear long-sleeved shirts and long pants or leggings
✔️ Wear a hat and closed-toe shoes
✔️ Choose light-coloured clothing so ticks are easier to spot
✔️ Check yourself, your children, and your pets for ticks after spending time outdoors

In general, ticks become active when temperatures rise above 4°C. Depending on where you live, tick prevention may be important from April through November—and sometimes even longer during mild winters.

If you find a tick and need information on proper removal techniques, visit eTick Canada.

A few simple precautions can help you enjoy the outdoors safely this season.

06/15/2026

Please note that our office will be closed on the afternoon of Thursday, June 18th while we attend The Commonwell's annual company BBQ.

We will reopen with regular business hours on Friday.

Thank you for your understanding!

06/11/2026

⚠️ Boat Owners: Don't Assume Your Homeowners Insurance Has You Covered!

Many homeowners are surprised to learn that liability arising from the ownership or operation of a watercraft may be excluded from their homeowners insurance policy.

If you're involved in a boating accident and cause injury to someone else or damage another person's property, you could be responsible for significant costs if you don't have the proper coverage in place.

Whether you own a fishing boat, pontoon, speedboat, or personal watercraft, it's important to understand what your policy covers—and what it doesn't.

Before heading out on the water this season, review your insurance coverage and make sure you have the liability protection you need.

🚤 Have questions about your coverage? Reach out today.