David was an insurance broker and then spent 7 years training insurance brokers for 2 of the largest insurance companies in Canada. Now David has been a consultant full-time with zero monies received by any insurance company of any kind.
Consider asking (by email always) your insurance agent (they just work for one company like Co-Operators, Allstate, State Farm) or insurance broker (they have access to many insurance companies) the following questions to ensure you have strong coverage at a fair price.