Home insurance can help protect a person’s home and its contents in case of theft and loss or damage to the inside and/or outside. Home insurance may cover damage or loss to one’s home, damage theft or loss of personal possessions, personal property stolen from their vehicle, damage or injury to others who visit one’s home or property, and accidental damage one may cause to someone else’s property. Home Insurance can also help cover additional living expenses if one’s home is temporarily unlivable. These additional living expenses may include living in a hotel or renting a home.

(Government of Canada, 2018).

I choose this video to use in research as MoneySense Canada and RH Insurance are both owned by Ratehub Inc, a website I have been using throughout the rest of my research. A piece of information that I find useful in this video, that is different from other videos in my research is how and if house insurance premiums are rising in Canada.

I choose this video to use in research as it gives insight into a lot of different factors regarding home insurance in Ontario. Pieces of information that I find useful in this video, that is different from other videos in my research are  insurance companies who work for profit vs insurance companies who work for their customers and real-life examples of how different factors can affect one's home insurance.

I choose this video to use in research as it provides viewers with tips to save money on their home insurance. I find these tips useful and different compared to other videos in my research is. 

I choose this video to use in research because buying a home doesn't just have to be for living purposes but can also be for investment purposes. Buying condos or townhouses as investment properties are very common so I thought by including this video it would provide useful tips for people who want to invest or live in a condo/townhouse. Lastly, these tips are different compared to other tips in the other videos in my research.

I choose this website to use for my research as it is a reliable source as it is from the Government of Canada, the website design is easy to follow and the website can be used as a tool for many people. Pieces of information that I find useful on this website, that are different from others websites would be the communication of Condominium insurance and Tenant’s insurance. 

I choose this website to use for my research because it provides helpful tools to compare home insurance quotes in Canada with accuracy, and also provides a lot of important information regarding home insurance that I think will be useful to others. This website also allows you to add in your personal information, if you so please, to get the most accurate quote of home insurance prices for your home specifically. Pieces of information that I find useful on this website, that are different from other websites would be the history of how home insurance was created and different tools to help you use to compare home insurance quotes in Canada. 

I choose this website to use for my research because it provides helpful statistics that allow the comparison of home insurance rates in Canada. Pieces of information that I find useful on this website, that are different from other websites would be comparing Ontario’s average to the rest of Canada and the average renter’s insurance rates across Canada.

I choose this website to use for my research because it goes into depth about different factors that can affect home insurance, specifically personal influances (examples: one's home’s value, the age of one's dwelling, one's credit score, ones claims history, etc.). Pieces of information that I find useful on this website, that is different from other websites is the would talk of personal factors rather than common factors/statistics like the average homeowner’s insurance rate in Ontario or comparing Ontario’s average to the rest of Canada.

I choose this website to use for my research because it goes into depth about different factors that can affect home insurance, specifically personal influances (examples: one's home’s value, the age of one's dwelling, one's credit score, ones claims history, etc.). Pieces of information that I find useful on this website, that is different from other websites is the would talk of personal factors rather than common factors/statistics like the average homeowner’s insurance rate in Ontario or comparing Ontario’s average to the rest of Canada.

I choose this image/infographic to use for my research because it goes into depth about the different ways climate change is affecting your home insurance, it provides statistics regarding climate change and home insurance in Canada. Also, personally, I think that infographic’s are a great tool to share important information, in a way that is easy to understand by the readers. 

I choose this image/graph to use for my research because it helps show different categories of dwellings, how they are affected in different provinces, their costs in different provinces, their effected within Canada, and the cost of different dwellings in Canada. 

Learning about all of the different factors that influence home insurance what is the most surprised me the most. I did not realize how many small factors can affect your home insurance and how do you take those into consideration when buying a home.

2. Provide a real-life example of how this topic is relevant or interesting  for you. 

A real-life example of how this topic is relevant to me would be when I was buying my first car. I was also pretty surprised about how many factors affected car insurance. Because of this earlier surprise, I was interested in knowing all of the factors that are affected home insurance and were intrigued about how many small factors can be very relevant.

3. If you could pass on your knowledge to a family member or friend, what  do you think is the most important thing to pass on?

If I could pass on my knowledge to a family member or friend, I think the most important thing to pass on would be the general concept of home insurance. This includes topics like the definition of home insurance, why you may need home insurance, who a home insurance policy covers, what a home insurance policy covers, how your insurance company calculates your premiums, different home insurance settlement options, how to settle a claim if you have a mortgage, etc.