Does insurance lingo sound like Swedish? We get that. Here are some frequently asked questions and a friendly ‘phrasebook’ to help you feel right at home when you visit our offices! Still have questions? We’d be happy to help – just give us a call.

Who needs insurance?

Anyone who owns property or requires coverage from liabilities. (Which is a fancy way of saying anyone.)

Why do I need insurance?

Insurance offers protection to yourself, your family, home, and precious belongings (like your stamp collection) from the unexpected.

There’s a lot that can happen to you and your things, and without insurance (or the right insurance) you can be on the hook for replacing your stuff. Imagine you bought a $400,000 house and 10 years after moving in it burnt down. Without insurance, you’d be without a home and still have a huge mortgage to pay off. Ouch!

Insurance can also protect your belongings. So if you’re renting an apartment, items like your bed and your clothing are still covered if you are robbed or if a pipe bursts and damages your belongings.

You also need insurance to protect yourself in the event someone tries to sue you for bodily harm or damaging their property.

What are the differences?

Below are three main forms of insurance. Within each of these there are different policies you can get depending on the risk. For details on specific insurance (like home, auto, or business), head over to our products page.

Liability insurance: protection given to you by the insurance company that covers you if you’re sued for bodily injury or property damage.

Property insurance: protects your physical assets (from your home to that shirt on your back!)

Professional insurance: this is insurance for certain professions, like a doctor, lawyer, or engineer. It protects them in case they give poor advice that affects a client.

Where do you get insurance from?

From your friends at Brio Insurance of course! Our staff are all trained and knowledgeable about the different kinds of insurance out there. They’re great at finding the best rates too.

You can come see us at our of our locations or to get started, you can simply give us a call or send us an email. We even have a fancy online quote tool. Once we receive your request, we’ll follow up and get the ball rolling.

When it’s time, what information do I need?

When you’re ready to get your insurance, you’ll need to bring information on yourself (so we can verify who you are) and some background on what you’re insuring. Before we can insure property, a replacement cost evaluation will be done to establish a premium.

For house or property insurance, you’ll need to provide information about the property. Here’s some examples of things we look for:

  • Year it was built
  • Square footage
  • Stories
  • Bathrooms
  • Updates / age of roof, furnace, plumbing, electrical

Do you offer service in other languages?

We sure do! Between our branches, we can help you out in eight different languages.

  • Graham – Gujarati, Hindi, Punjabi
  • Steinbach – High German, Low German, Russian
  • St. Mary’s – Hindi and Punjabi

Common questions, phrases, and terms



The different pieces that make up the insurance policy. These include standard coverages that are included in a package (such as dwelling, contents, or legal liability) and any optional coverages you purchase (such as sewer back-up or liability extensions).


The amount of a covered expense that you pay yourself before your insurance company makes any payments. A deductible applies to you and to any dependents under the plan.


The amount of money you pay for your insurance policy.


The personal liability included in your policy protects you in the event that you should be found legally liable for damages.


Things that are specifically not covered by an insurance policy. These are usually factors that would increase the risk associated with your policy.

Rider or endorsement

A change or addition to an insurance policy that that either expands or limits the coverage and benefits of the policy. A rider or endorsement can be purchased at the beginning of the policy term, or added later.


The wordings for your insurance policy will describe the exact coverage that is included.

Named perils

A policy that only provides coverage for loss caused by the perils specifically listed.

All perils

A policy that is written to include all risks unless they are explicitly excluded in the policy text. For example, a home policy may cover all perils, but exclude overland flooding.