Live Your Best Life

Fun and adventure are around every bend when you’re cruising around the lake, RVing across the country or hitting the trails on a snowmobile or ATV. At Stewart Morrison Insurance, our passion is making sure you have the right coverage for your passions.

Get an insurance quote tailored to your lifestyle.

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Lifestyle Insurance
with a Personal Touch

Life is good when you’re on the open water, road-tripping with the family or racing along trails. We build custom lifestyle insurance solutions so you can live it up without a worry. You’ll get the right policy at the right price, and peace of mind knowing we’re only a phone call away.

Ask us how you can get the best value from your insurance premiums with a package covering all your needs.

Top-Notch Service
You Can Rely On

You can enjoy your life, assured that Stewart Morrison Insurance will be there when you need us most. Our expert brokers will guide you through every step of insuring your boat, RV, personal watercraft or snowmobile, from talking through your coverage options and needs to helping you make a claim.

I'm glad I was referred to Stewart Morrison as the process was painless compared to the brokerage in my hometown. My policy changes were handled immediately — even as a walk-in appointment!

Mark, Ontario

I sincerely appreciate dealing with Stewart Morrison Insurance. I value getting small town service despite living in Toronto!

Andrew, Toronto

I am very pleased with the prompt, professional service I received. Jill responded to my inquiry right away, and the entire process was completed to my complete satisfaction within 24 hours. Very good customer service, products and pricing. I signed up and am a happy customer!

Andy, Kirkfield

Why Choose Stewart Morrison Insurance?

We Provide Guidance

We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.

We Deliver Value

Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.

We Advocate for You

Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.

  • Boat
  • Personal Watercraft
  • RV
  • Cottage
  • ATV and Side-By-Side
  • Snowmobile

Insurance for Your Passions

Our team is here to guide you through understanding your lifestyle insurance needs and all the options available, so your boat, watercraft, ATV, side-by-side or snowmobile — and any family and friends along for the ride — are covered. Here are some key lifestyle insurance coverages to think about.

  • Boat and Personal Watercraft Coverages

    From sunset sailing to water tubing to zipping around the lake on a personal watercraft, being out on the water is a ton of fun. But boating responsibly includes being properly insured. Here are the coverages you may need:

    Physical Damage: If your boat, personal watercraft or equipment is damaged by another vessel, submerged objects or something else while in transit, this covers the cost for repairs.

    Liability: If you cause an accident that injures someone or damages property, liability insurance covers costs for medical and treatment expenses, repairs and more.

    Personal Effects: If your personal items or protective equipment like water skis and life jackets are damaged or destroyed while you’re out riding, this covers the cost of repair or replacement.

    Replacement Guarantee and Agreed Value: Your boat or personal watercraft will be replaced with a brand new model if it’s stolen or damaged beyond repair, or you will be paid the true value, which doesn’t subtract for depreciation.

    Loss of Use and Living Expenses: If damage to your boat interrupts your trip, vacation or holiday, this option covers your expenses for accommodations, meals and alternate transportation, such as taxis or public transportation. It also covers the cost of a rental boat while yours is out for repair.

    Expanded Navigation Territory: Planning to sail down to the southern U.S., Caribbean or Bahama? This option ensures you’re covered.

    Emergency Towing & Medical: Included in every policy at no charge, this covers the cost of marine rescue and towing if you find yourself stranded on the water.

    Medical, Funeral and Death Benefit: If you or your passengers are injured while on board your watercraft or while embarking or disembarking, this covers the cost of medical, ambulance and hospital costs. If an accident results in death, this will cover funeral expenses.

  • RV Coverages

    RVing is a ton of fun, but before you hit the open road, you need to make sure you have the right insurance protection. In addition to the standard vehicle coverages — collision, comprehensive, liability, and so on — here are unique coverages for RVs.

    Your RV/Trailer: Covers the loss or damage of your RV or trailer unit due to unexpected events, such as fire, wind, water or theft.

    Contents: Covers the cost to repair or replace the contents of your RV, such as clothing, furniture, electronics and appliances.

    Emergency Vacation Expense: If your trailer breaks down or is damaged, destroyed or stolen, this covers costs for emergency roadside assistance, accommodations, meals and alternate transportation.

    Premises Liability: Provides coverage for liability if someone is injured or property is damaged on the lot where your RV or trailer is temporarily or permanently parked.

    Detached Buildings: If you’re parking your RV on a permanent site, this covers sheds, storage buildings or other structures on the site.

    Water Protection: If your RV or its contents are damaged by a sewer backup or overland water — for example, flooding from a river, lake or heavy rains — this will cover repairs.

    Guaranteed Replacement Cost: This coverage provides the full cost of a replacement RV if yours is stolen or damaged beyond repair.

    Trailer Rental: If you rent your RV or trailer to others through a rental network such as outdoorsy.com, you’ll need this specialty coverage.

  • Cottage Coverages

    Your cottage is the place where you get away from it all, and it’s easier to enjoy that R&R when you have a solid insurance policy that protects your home away from home. Here are some of the coverages you may need for your cottage:

    Building or Dwelling: This covers the cost to repair or replace your cottage if it’s damaged or destroyed.

    Personal Property or Contents: If your personal items are damaged, destroyed or stolen, this covers the cost to repair or replace them.

    Detached Buildings: If you have a detached garage, boathouse, shed or other building on your property, you’ll need detached buildings coverage to insure it.

    Personal Liability: Protect your assets from anything you might be personally liable for, such as if a visitor is injured after slipping on a patch of ice on your driveway.

    High-Value Items: Jewellery, fine art, furs, musical instruments and other high-value items can be subject to special limits and typically require additional coverage. These items should be listed on your policy in a schedule.

    Water Damage Coverages: Water damage is the leading cause of damage and destruction in cottages. Water Protection covers the cost for repairs and replacement of property if you have a water leak or a sewage backup. Overland Water covers repairs or replacement of property if heavy rainfall or overflowing lakes, rivers or other bodies of water flood your home. And Service Line Coverage will repair underground water and sewage pipes (as well as electrical service lines) that are accidentally broken.

  • ATV and Side-By-Side Coverages

    Off-roading is a whole lot of fun, but it can be pretty risky — so it’s important to make sure all riders and your ATV or Side-By-Side are covered by a good insurance policy. Here are coverages to consider:

    Accident Benefits: Covers healthcare costs and loss of income for you or your family when someone is injured in an ATV or side-by-side accident.

    Collision: Covers costs to repair damages to your ATV or side-by-side if you’re in an accident with another vehicle or object.

    Comprehensive: Covers your ATV or side-by-side for theft, vandalism, falling objects and other damage not caused by a collision.

    Liability: If you cause an ATV or side-by-side accident that injures someone or damages property, liability insurance covers costs for repairs, medical and treatment expenses and more.

    Personal Property: If your personal items or protective equipment — helmets, gloves, goggles, jackets, etc. — are damaged or destroyed while you’re out riding, this covers repair or replacement.

    ATV Trailers: This provides collision and comprehensive damage protection on trailers used to haul your ATV or side-by-side.

  • Snowmobile Coverages

    For adventurous winter lovers, there’s nothing like the thrill of racing along snowmobile trails. But the fun comes with some hazards, so it’s important to have good insurance protection. Here are some of the coverages to consider:

    Accident Benefits: Covers healthcare costs and loss of income for you or your family when someone is injured in a snowmobile accident.

    Collision: Covers costs to repair damages to your snowmobile if you’re in an accident with another vehicle or object.

    Comprehensive: Covers your snowmobile for theft, vandalism, falling objects and other damage not caused by a collision.

    Liability: If you cause a snowmobile accident that injures someone or damages property, liability insurance covers costs for repairs, medical and treatment expenses and more.

    Personal Property: If your personal items or protective equipment — helmets, gloves, goggles, jackets, etc. — are damaged or destroyed while you’re out riding, this covers repair or replacement.

    Snowmobile Trailers: This provides collision and comprehensive damage protection on trailers used to haul your snowmobile.

”We know how hard you've worked to arrive here. Whether it's a weekend getaway or fun on the water, restoring your energy levels and celebrating life with family and friends is crucial to your sense of well-being. Pursue your passions worry-free with the right lifestyle coverage from Stewart Morrison Insurance. We're just a phone call away.”

Marlene Morrison Nicholls
President & CEO

Call me! 705-324-6681

Live Your Best, Let Us Do the Rest

Fun is waiting, and the last thing you want to worry about is insurance coverage. We’re here to make sure everything you’re passionate about is protected, from your boat to your cottage to your business. Learn more: