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No tickets or claims. I went from 514 a month to 677 this year. This is complete robbery.
I had Intact insurance on my cottage on Lake Huron for decades without ever having a claim. I had coverage that included wind, rain, hail, storm and an additional overland water policy. My cottage was damaged in a storm in November of 2020. I was denied any compensation because according to Intact the waves (that were caused by the wind) caused the water to wash up on shore during that storm (past the 100 year high water mark) and eroded the ground and erosion is not covered in my policy. The irony is they raised my rates for 2021 (the year insurance companies were raking in billions) which will now cost me almost $500 more a year!