I used to have to deal with 2 different companies due differences in their coverage for rentals vs owner occupied properties. I have always believed in shopping around to compare coverage and cost – and I got a good education doing so. Now, for the last 24+ years, I just deal with Harbord Insurance. Their 3 locations and one always open on Sunday AND their excellent staff converted me and continues to fill all my needs. I have followed Maggi (Patten) Clark to whichever office she is in, due to her in depth knowledge and service. Once when licensing a new car she even came out with tools and helped me put the new plate on. I have recently discovered another very good person at Harbord, Mike Chagun. My expertise is in communication, so I recognized and valued how clearly he was able to explain and differentiate between different types of coverage. People new to insurance or unsure about coverage will be well informed and put at ease dealing with him.