{"id":1693,"date":"2026-07-10T16:43:05","date_gmt":"2026-07-10T20:43:05","guid":{"rendered":"https:\/\/www.courtika.com\/?p=1693"},"modified":"2026-07-14T10:23:51","modified_gmt":"2026-07-14T14:23:51","slug":"what-are-the-big-changes-in-your-life-that-can-affect-your-insurances","status":"publish","type":"post","link":"https:\/\/www.courtika.com\/en\/what-are-the-big-changes-in-your-life-that-can-affect-your-insurances\/","title":{"rendered":"What are the big changes in your life that can affect your insurances?"},"content":{"rendered":"\t\t
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Your life is taking a new direction. When should you let your broker know?<\/h1>\n
\n

Exciting new chapters ahead<\/h2>\n

You\u2019ve finally found the right person to build a future with. You’re moving in together, getting engaged, or perhaps expecting a child. Maybe you’ve purchased a new home, are planning major renovations, or your children are now old enough to start borrowing the family car. Your career may be entering a new phase as well\u2014a new job, a promotion, a layoff, or even the launch of your own business.<\/p>\n

All of these major life events can have an impact on your home or auto insurance coverage.<\/p>\n

Changes you should report to your broker<\/h2>\n

We recommend contacting your broker whenever there is a change involving:<\/p>\n

    \n
  • The number of people living in your home<\/li>\n
  • The value of your personal belongings<\/li>\n
  • The value of your home’s interior or exterior finishes<\/li>\n
  • How you use your vehicle<\/li>\n
  • The drivers who regularly use your vehicle<\/li>\n
  • The number of kilometres you drive each year<\/li>\n
  • Equipment or modifications added to your vehicle<\/li>\n<\/ul>\n

    Relationship and lifestyle changes<\/h2>\n

    Be sure to notify your broker if any of the following occur:<\/p>\n

      \n
    • Moving in with a partner<\/li>\n
    • Purchasing a car, home, or cottage<\/li>\n
    • A significant change in your commuting distance<\/li>\n
    • Driving more frequently outside Qu\u00e9bec or Ontario<\/li>\n
    • Using your vehicle outside Qu\u00e9bec for a cumulative period exceeding four weeks per year<\/li>\n
    • Purchasing jewelry or other valuable items<\/li>\n
    • Placing furniture or personal belongings in storage<\/li>\n
    • Leaving your home vacant<\/li>\n
    • Separation or divorce<\/li>\n<\/ul>\n

      Family milestones<\/h2>\n

      Your insurance needs can also change when:<\/p>\n

        \n
      • You welcome a new baby<\/li>\n
      • You adopt a dog or exotic pet<\/li>\n
      • A teenager begins driving your vehicle occasionally or regularly<\/li>\n
      • A child moves out of the family home<\/li>\n
      • You modify your home to accommodate a family member with special needs<\/li>\n<\/ul>\n

        Career and business changes<\/h2>\n

        Consider contacting your broker if you:<\/p>\n

          \n
        • Experience a significant change in your commute<\/li>\n
        • Drive more frequently outside Qu\u00e9bec or Ontario<\/li>\n
        • Use your vehicle for business purposes, such as meeting clients, making deliveries, or ridesharing services like Uber<\/li>\n
        • Spend more than four weeks per year using your vehicle outside Qu\u00e9bec<\/li>\n
        • Become self-employed<\/li>\n
        • Start working from home<\/li>\n
        • Join a professional association or regulatory body<\/li>\n
        • Purchase business-related computer equipment<\/li>\n<\/ul>\n

          Home improvements and property changes<\/h2>\n

          Your coverage may need to be updated if you:<\/p>\n

            \n
          • Undertake major renovations<\/li>\n
          • Install a swimming pool or spa<\/li>\n
          • Add a new heating system<\/li>\n
          • Install a supplementary heating source<\/li>\n
          • Leave your home vacant for an extended period<\/li>\n<\/ul>\n

            Other important life events<\/h2>\n

            You should also notify your broker if:<\/p>\n

              \n
            • Your vehicle will be stored for several months<\/li>\n
            • Your home will be vacant for more than 30 days<\/li>\n
            • You have been smoke-free for at least 12 months<\/li>\n
            • You rent your vehicle through a car-sharing platform such as Turo<\/li>\n
            • You rent all or part of your residence through a short-term rental platform such as Airbnb<\/li>\n<\/ul>\n

              Don’t wait until renewal time<\/h2>\n

              When a significant change occurs, it’s best not to wait until your policy renewal. Reach out to your broker as soon as you believe a life event could affect your home or auto insurance.<\/p>\n

              A quick conversation today can help ensure your coverage accurately reflects your current situation\u2014and give you the peace of mind that comes from knowing you’re properly protected.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":1692,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[56],"tags":[],"class_list":["post-1693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-general"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/posts\/1693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/comments?post=1693"}],"version-history":[{"count":2,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/posts\/1693\/revisions"}],"predecessor-version":[{"id":1745,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/posts\/1693\/revisions\/1745"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/media\/1692"}],"wp:attachment":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/media?parent=1693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/categories?post=1693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/tags?post=1693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}