Christina, Author at Lets Talk Real Estate Team - Page 6 of 19

Why First Time Buyers Should Consider Guelph

Jul 31,2023 | Buying

First-time buyers should consider Guelph because it is a growing and vibrant city that offers a mix of urban and rural living. It also has a strong job market, with major employers such as the University of Guelph, Linamar, Hammond Manufacturing, Cooperators Insurance, Sleeman Breweries and coming soon Conestoga College. The city is known for its beautiful parks and trails, recreational opportunities, and excellent schools, making it an ideal place to raise a family. Guelph has a wide range of housing options, from affordable starter homes to high-end properties, making it an accessible and desirable location for first-time buyers.

A First Hand Look at the Guelph Lifestyle

To start with, let’s look at a quick snapshot and video testimonial on what the different areas have to offer:

West End– Walking distance to amenities, affordable housing options, close to tons of parks and recreations centres- Willow West neighbourhood Guelph has lots to offer! WALKING SCORE 62- TRANSIT SCORE 37
North End– Unique and sought after areas in Guelph! Charm, convenience, and a real sense of community! Close to downtown, rivers, many parks, the hospital, and all the Guelph historic charm- St. George’s Park area is highly sought after and a great place to put your real estate dollars. A lot of century homes that have been given a little refreshing making every property unique and beautiful! WALKING SCORE 65- TRANSIT SCORE 52
East End- New developments and facilities makes this area a newer growing community in the City of Guelph. Due to being a bit underdeveloped homeowners are finding they can get more bang for their buck in the East end of Guelph, with newer construction and beautiful homes! WALKING SCORE: 33 TRANSIT SCORE: 34

Want to know more about what we offer to all of our buying clients? Learn all about our detailed process right here.


South End-  The family-friendly neighbourhood, with schools, restaurants, grocery stores, shopping, literally everything you need within a few kms. PLUS southern point of Guelph therefore easy access to 401 for commuters and heading to the cottage. The growth seems constant in this area giving new and old residents to Guelph lots of living options (condos, high & mid-rise, townhouse, stacked towns, duplex, detached homes, estate lots etc.) WALKING SCORE 67 – TRANSIT SCORE 36
Downtown/Central-   Farmers market, shops, restaurants, bars, grocery stores, art shows, community events, GO train access, family services, all amongst the charm of mid 19th-century homes and modern condos and townhomes! Downtown Guelph has something for everyone. Historic charm and walkability make downtown Guelph highly sought after by all age groups and newcomers to the city! WALKING SCORE 97 – TRANSIT SCORE 57
Puslinch- Puslinch is a township in south-central Ontario, Canada, in Wellington County, surrounding the south end of Guelph. The main source of production is agricultural, spring water bottling and mining. Aggregate mining has been dominant throughout the county. Beautiful landscapes and privacy- also perfect location with easy access to 401, Cambridge, Guelph, Milton ETC.

Ready to begin searching for your first home in Guelph? Our featured listings are a great place to start.


What to Know About House Hunting in Guelph

When shopping in Guelph for your home, first-time homebuyers can explore investment property options to make purchasing a home more affordable, by having an income helper in the home. By renting out a portion of the property, buyers can offset their mortgage payments and reduce their overall housing costs. Additionally, Guelph’s strong rental market and growing economy make it an attractive location for real estate investment. And when you are ready to move on from your starter home, you have a great option to keep it in your portfolio for even more investment income or sell to help purchase a larger family home. With increasing interest in sustainable living and a focus on work-life balance, Guelph may be an ideal place to find an affordable investment property that also aligns with personal values.

A City You’ll Never Want to Leave

Guelph is truly a city that first-time homebuyers won’t want to leave. With the thriving arts and culture scene and a strong sense of community, Guelph offers the perfect mix of urban amenities and small-town charm. Downtown Guelph is a vibrant community that has everything from a farmers market, OHL Hockey team, shopping, amazing restaurants, night life and so much more! Depending on the season you can immerse yourself into the culture of this beautiful city with music festivals, art shows, plays etc!  It also boasts plenty of green space, including the beautiful Victoria Park and the expansive Riverside Park. Plus, its location in the heart of Ontario means that it’s a great jumping-off point for exploring other parts of the province. All in all, it’s easy to see why first-time homebuyers would quickly fall in love with Guelph and want to stay for the long haul.

I am a perfect example of someone who came from just east of Toronto and feel in love with all that Guelph had to offer. After University I knew it was the place for me and starting setting up roots. I call it the Guelph Bubble, because you really do not need to leave, you can get to both ends of the city in 20 mins, and see about 10 people you know in between (But really). Its your small town homey feel with enough culture, and opportunity to keep you from leaving.

-Christina

If you’re thinking about buying your first home, you probably have a million questions running through your mind. Reach out today at nick@cbn.on.ca or call 519-830-4823 to get some answers.

“BRRRR” Your Way to Success as a Real Estate Investor

Aug 3,2023 | Investing

“BRRRR,” otherwise known as “Buy Rehab Rent Refinance Repeat” is a popular strategy for real estate investors.

This strategy involves purchasing a property in need of repairs, renovating it, renting it out, and then refinancing the mortgage to free up equity for further investments.

This strategy can turn a novice investor into a seasoned professional by helping them build their portfolio, increase cash flow, and generate wealth. With careful analysis of the market and a solid plan, investors can purchase properties below market value, increase their value through renovations, and rent them out for a steady income. Finding cash flowing properties is obviously a huge benefit for the model to work. This can be challenging in todays market. But understanding your local market and working with a realtor will help you to navigate the best time to purchase and for the right price.

Snowball Your Equity

Refinancing allows investors to access the equity in the property and use it to purchase more properties, creating a cycle of growth and success. Having a great Mortgage Broker on your  team is also a huge asset. Knowing what you can afford and how the current interest rates will affect your borrowing power is HUGE. 

Paul Gazzola at Mortgage Architects is someone we have worked with time and time again, and would highly recommend him and his team of professionals.  Paul is located at 3 Speedvale Ave. in Guelph, and should be one of your first calls if you are looking to start executing this strategy.  Whether you’re located in Guelph or elsewhere, this strategy can be a great way to achieve success as a real estate investor.

Having a good contractor/builder on your team is another great asset (unless you can manage this portion yourself). All properties need regular maintenance, but some need significant work in order to maximize your rent rates. Having a TRUSTED professional that can give you appropriate estimates and stay on agreed upon timelines will help you to keep your investment working for you!


Do you want to know more about how to invest in real estate? Here are some related reads you may enjoy:


A Trusted and Proven Model for Success

I have many clients that use this model to build their portfolio and wealth. It is important to work with a trusted real estate professional to ensure you’re investing in the right areas, the right type of home and of course purchasing and negotiating for the right price. Purchasing in the wrong area can lead your investment not achieving the right rent rates OR whats worse, staying vacant for too long.

The beauty of investing in Guelph is the University continually brings in renters each and every year. AND year over year keeps growing. Currently Guelph is in a housing crisis, as we do not have enough single family dwellings to accommodate its population. Now with the new announcement that Conestoga College is taking over the old Cooperators Building Downtown Guelph, expected September 2025, we can expect the need for rentals to only increase city wide.

KEY POINTS:

  • Talk to a mortgage broker
  • Understand the area your looking to invest in (rent rates, population, demand)
  • Work with a trusted Realtor®
  • Have a good relationship with a contractor/builder
  • Understand this will not be an overnight success- takes years of building

Do you have questions about how to get started as a real estate investor or how to add to your portfolio? Reach out to nick@cbn.on.ca or call 519-830-4823 for more information.

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What Does Guelph Have that Toronto Doesn’t?

Jul 3,2023 | Guelph Living

Thinking about making the move from Toronto to Guelph? Worried that you might miss out on some big city amenities? Let’s take a closer look at what Guelph has that Toronto doesn’t.

Looking for Small-Town Charm?

Guelph has a unique small-town charm that sets it apart from Toronto. The city is made up of around 130,000 people compared to Toronto’s 2.7 million. This gives it a more intimate, neighbourhood vibe, which can be more desirable for some people. Personally for me crowds are great for concerts and parties, but day-to-day I enjoy no lines at the grocery stores, coffee shops and malls. The most traffic you will see across the city is during the am and pm rushes which I would say MAX would add 10 minutes of to your drive. Access to the 401 is carefree with Guelph’s Hwy 6 running north and south across the entire city making it easy to get around quickly.

Intellectuals Rejoice! Guelph is Cultured

Moreover, the City is home to the University of Guelph (and soon to be Conestoga College Downtown Guelph), which adds to its cultural and intellectual offerings. There are always events, lectures, and performances happening on campus that are open to the public (and typically free).  Guelph has a incredible philanthropic community and one I personally am very proud to be a part of. If you wanted to get involved in your community and make a difference (no matter what you hold close to your heart), Guelph is connected and plugged in! Move here knowing you will and can easily meet new people and make an impact!

Guelph’s highly rated elementary and high schools also make the area an attractive option for families with children.


Looking for more information about living in Guelph? Read these posts next:


Food and Nature Go Hand-in-Hand in Guelph

Explore downtown and you’ll find a thriving local food scene, including farmer’s markets and renowned restaurants, as well as abundant green spaces and parks. Families will fall in love with Riverside Park with train rides and a carousel open all summer long for residents to enjoy, just one of the many charming Guelph things you will find.

Want to spend more time in nature? Guelph has an abundance of trails for hiking, biking, and other outdoor activities. It’s also close to the Elora Gorge, which is a popular spot for canoeing, kayaking, and tubing. The Rockwood conservation area, offering trials, and camping. And Guelph Lakes, offering a full beach, riding and walking trails, dog parks, boating and fishing access.

Must Love Dogs

Animal lover? As a Guelphite its basically a requirement! With the University of Guelph Vet school and Animal Hospital, Guelph is known for its love of animals big and small. Most places are dog friendly and we have an abundant of dog parks and trails for you to enjoy all year around. During the University of Guelph annual free open house, get a chance to be up close and personal with farm animals, see a dog show and learn all about where our food is made!

Check Out the Guelph Arts Scene

Guelph also has a rich arts and culture scene, with theaters, galleries, and museums showcasing the talent and history of the city.

If That Wasn’t Enough, Consider the Price

Additionally, housing in Guelph is less expensive than in Toronto, which can make it easier for those just starting out or looking to downsize. Newcomers will embrace the strong sense of community, with a welcoming and friendly atmosphere that makes it easy to make new friends and feel at home. Considering a move to Guelph? Don’t worry about what you might be missing – the city has everything you need for a fulfilling and enjoyable life. AND EVEN IF you still miss the city (which you wont) Guelph offers VIA rail service to and from the city as well as GO Bus/Train for easy access to and from daily!

Thinking about relocating from Toronto to Guelph? We can help you find a place and get settled. You can email us at nick@cbn.on.ca or call directly at 519-830-4823 to learn more!

How to elevate your home gym: Advice from a personal trainer

Jun 9,2023 | Guelph Living

 

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No one achieves their goals alone. That’s the thinking behind a local gym that has a real community-building focus at its heart.

Owned by husband-and-wife team Erin and Matthew Thatcher, Rebel Performance in Guelph offers personal and group training, barbell and kettlebell classes, as well as seminars and education, nutrition counselling, physical therapists on site, accountability and peer support.

REALTOR® Nick FitzGibbon sat down with Matt and the pair discussed the basics every home gym shouldn’t be without, Matt and Erin’s absolute favourite piece of equipment and why you might want to think twice before buying that treadmill.

NF: What would you consider to be the essentials for a starter home gym?

MT: Honestly, in the fitness industry this is a bit cliche to say, but it depends. People don’t love to hear that and typically want a concrete answer. When we say it depends, what we really mean is that we need to consider what the person enjoys doing. If you enjoy the type of movement you are doing, you are more likely to be consistent with it and that is the biggest factor in seeing results long-term and building that habit.

That being said, we strongly believe everyone should be doing some form of resistance training, so a good entry point is a set of adjustable dumbbells and an adjustable bench. This offers a ton of options and variability. Adding in a few exercise bands is a relatively cheap investment as well that can also add a ton of movement options. One of our favourite tools (we are totally biased) is a kettlebell. We believe it is the most versatile tool in the gym and if we personally could only have one piece of equipment, that would be it.

Really, at the end of the day, you can get going with just your body weight if that’s all you have access to right now. The biggest thing we try to teach at Rebel, especially when people are just getting started, is really lowering the barrier to entry and making fitness accessible to everyone. Make it easy to succeed and try to find (at least some of the time) enjoyment!

NF: If someone already has a basic set-up in place, how could they elevate it?

MT: If you’ve been working out at home with the basics for a while, adding in a full rack and a barbell would be a great investment long-term. It would really lend itself to progressive overload, which just means adding a bit more weight, doing more reps, etc. That’s one of the most important, and easiest, ways to see consistent, long-term progress.

Another tool we really love is something called a trap bar, which is basically a hexagon-shaped bar that you stand inside and makes deadlifting super comfortable—especially if you have any low back issues.

NF: Are there any recent trends or approaches in home fitness that you love? If so, what are they and what do you like about them?

MT: One of the things we really like is that more and more people are using kettlebells at home! They are getting increasingly popular and offer so many benefits in terms of strength, power, mobility, conditioning and variety, and can be quite meditative once you get into a flow.

Another thing that really took off with the pandemic is online classes. These can be a great starting point for someone who is maybe not super confident stepping into the gym—although any good gym should, in our opinion, make you feel welcome and help build your confidence in the gym and in life! Again, at Rebel, we really just want people to get started. Any kind of movement is better than none at all!

NF: Is anything falling out of use when it comes to home gyms? i.e. Is there any equipment you wouldn’t recommend people spend money on?

MT: We would have to say treadmills or really big pieces of cardio equipment. We’re not saying people don’t use them but based on a lot of feedback from clients over the years, the treadmills end up being very expensive clothes racks. I really wouldn’t prioritize cardio equipment at home, although if you do, grab an assault bike! Much cheaper and it’s super challenging, low point of entry and no impact!

We aren’t saying cardio isn’t important; it is very important for overall health aerobically. It also helps you to recover from strength training and bouts of higher intensity training as well and be more resilient to the stresses of life. We’re just saying that there are probably better things to purchase, especially with the nicer weather. Get outside and get the benefits of sun, nature and fresh air!

NF: You and Erin both do personal training as well. What are the biggest benefits of working with a personal trainer?

MT: We help streamline the process with you. We do a fairly comprehensive intake form and assessment and really try to make the process individualized to the person in front of us. We take into account everything from stress, job, kids, lifestyle, training history, injuries, nutrition goals, sleep, likes and dislikes, and turn that into the best program for you.

We also try to take an inside out approach to health and work on streamlining the process. We use what works and discard what does not. We also encourage people to take a process-oriented approach, rather than an outcome-oriented approach. We really believe this is what leads to lasting change and kicking the fad diets/exercise trends. We will help you hone your technique right from the get-go and save you a lot of time and frustration down the road.

NF: Who are your clients?

MT: We try to be of service to anyone walking through our doors, but most of our clients tend to be busy professionals from about 30-70, looking to get the most bang for their buck with the time they have. That can be a complete beginner to an ex pro (or some current pro) athletes/competitors. We also work with a lot of people post-rehab looking to return to play and bridge the gap from post-op rehab to getting back to doing the things they love. We network with a lot of other healthcare providers in the city.

Ultimately our goal is to help leverage the benefits of health and fitness and bring that energy and focus to enrich other areas of their lives: both personal and professional.

NF: Do your clients work with you at the gym or do you visit them at their homes?

MT: Over the pandemic we would visit people at home more as everyone was feeling a little uneasy about being in crowded places, but now we typically have everyone come to the gym. It’s a time thing on our end, plus we have a lot more equipment here than at a home gym.

The other aspect we believe in strongly, and one of the pillars of health, is community and connection. We really try to foster this at our gym and try to introduce our clients to each other and have a bit of networking happening. We are launching some classes starting up in April as well to really build that sense of community. There is a bond that happens when you work hard and struggle with other people and come out the other side better for it. You build a connection from going through that together and having fun at the same time!

NF: Matt, thanks so much for your time and all of this great information.

MT: Thank you so much for the opportunity to share our passion for health and fitness, and potentially inspire even one person to take the first step on their journey, be it at home or in the gym. If anyone has any questions, please feel free to reach out to Erin or myself; we would love to help.

We run a kettlebell club on Saturdays and all proceeds go to a local charity, so if anyone has any suggestions, we are all ears! We truly believe in a service-over-sales model and are always looking for ways to get more involved in our local community, so don’t hesitate to reach out!

Connect with Matt and his team at Rebel Performance online.

Reach out to REALTOR® Nick FitzGibbon for help finding your next home.

Royal Reach 2023: An evening to help reduce food insecurity for kids in Guelph

Jun 9,2023 | Guelph Living

This summer marks the return of an important annual event.

Royal Reach is back for a second year and the goal in 2023 is to help the youngest in our community, raising funds for the Children’s Foundation of Guelph Wellington and Food4Kids Guelph.

Royal Reach was founded in 2022 by Christina FitzGibbon and Morgan Dundas to target a younger demographic than is traditionally seen on the charity circuit. The pair want to entice more young people—the next generation of leaders in the Guelph community—to give back and support local charities in a new and different way. Anyone with the means to help is welcome.

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Every year a new local charity is chosen to feature, to help spread support among the many hardworking organizations here in Guelph. Their first-ever event in July 2022 sold out and raised an incredible $32,000 in support of Big Brothers and Big Sisters of Guelph.

The May 6, 2023 event will be held at beautiful Cutten Fields.

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About the charities

“I’ll never forget hearing from one of our Food & Friends student nutrition program coordinators about a Grade 6 child who kept asking for more and more breakfast egg wraps until finally he stopped eating and said he thought he was full. He went on to say that he had never felt this way before, like he couldn’t eat another bite, and he realized that must be what it means to feel full,” says Emma Rogers, CEO of the Children’s Foundation.

“One thing I know for sure is that no child should be experiencing chronic hunger. Prior to the pandemic, we know that 1 in 5 children were living in food insecure homes, and that number is now closer to 1 in 3 children. Given that heartbreaking statistic, it’s more vital than ever that our schools are a haven for kids to have access to the food they need to fill their bellies and set them up properly for a day full of learning.”

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Terrie Jarvis from Food4Kids Guelph adds, “While many children rely on getting free food at school Monday to Friday thanks to the Food & Friends program, schools told us that some children struggle through weekends and school holidays with insufficient food at home. The Food4Kids Guelph program aims to close the weekend gap by providing nutritious food bags for the most food-insecure children to take home from school on Fridays, and by providing grocery gift cards to their families when schools are closed.

Since the start of COVID in 2020, Food4Kids has seen a 100% increase in the number of children registered in this program, from 200 to 400 today. Together, Food & Friends and Food4Kids Guelph are complementary programs feeding local children year-round, on school days, school weekends and during school holidays.”

Royal Reach 2023

“The Royal Reach is so excited to be partnering with Food4Kids Guelph as well as the Children’s Foundation in an effort to help reduce food insecurity for children in the Guelph community. We believe every child should be able to nourish their bodies with healthy foods! We are really passionate about tackling hunger for kids 365 days out of the year and the potential to have such a great impact in our community. Through the Royal Reach, we will be able to help close the gap of the 3-4% of children who are in the severe food insecurity bracket,” says Dundas.

“We are so proud of what the Royal Reach has become. We have been able to bring our peers together in an effort to support our community today and in the future. Rethinking and reimagining the ‘charity gala’ has created a vehicle bringing awareness and support to valuable causes throughout Guelph,” says FitzGibbon.

“Our goal, by selecting a new charity each year, is that our guests will get attached and excited about reaching out to organizations that they hold close in their hearts and make their own lasting impact. The future of giving is in our hands.”

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The local community has been quick to embrace the concept and is clearly eager to help families in Guelph fight food insecurity.

While tickets have already sold out for this year’s event, donors and sponsors are always needed and welcome. Your generosity can greatly increase the impact the success of this event and help feed the youngest among us.

To learn how you can donate or become a sponsor, visit the donations page of the Royal Reach website.

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SPONSORS

In Kind Sponsors:

Platinum Sponsor:

Gold Sponsor:

Silver Sponsor:

ABOUT FOOD4KIDS GUELPH

Food4Kids provides packages of healthy food for children with limited or no food during weekends and grocery gift cards to help their families during school holidays. Started in 2018 by the four Rotary Clubs of Guelph, Food4Kids currently supports 400 children in Guelph, 52 weeks a year.

Website: www.food4kidsguelph.ca

ABOUT THE CHILDREN’S FOUNDATION GUELPH WELLINGTON

The Children’s Foundation of Guelph and Wellington believes in a community where every child and youth has the opportunity to participate, learn and grow to reach their full potential. CFGW empowers children and youth by connecting families with opportunities to build hope for lifelong change through four core programs: Adopt-A-Family, Food & Friends, Free to Grow and the Scholarships Program.

Website: www.childrensfoundation.org

Facebook: @childrensfdngw

Twitter: @childrensfdngw

Instagram: @childrensfdngw

ABOUT ROYAL REACH

Royal Reach was born in an effort to give back to the local community by creating a platform that encourages and facilitates next-generation philanthropy. 2022 marked their inaugural fundraising event, where they partnered with Big Brothers and Big Sisters of Guelph. Each year a new local charity will be selected, bringing awareness, new volunteers and financial support to a well-deserving cause.

Website: www.royalreach.ca

Instagram: @aroyalreach

How to make sure you’re getting the best value from your home insurance provider

Mar 6,2023 | Guelph Living

It’s not every day you get a phone call from your insurance broker saying they have a better home insurance policy for you that will save you money while still being well covered. Luckily, this happened to me a few months back and it got me thinking about how little I know about the home insurance world and if homeowners should be paying closer attention to their insurance situation,” says REALTOR® Nick FitzGibbon.

The real estate agent sat down with Zac Sutherland, VP at Sutherland Insurance, to discuss the biggest factors that influence the cost of home insurance, how the rebuild value of a home is determined and why you’re definitely doing yourself a disservice if you only get one quote.

NF: Where should people start when they’re looking to set up their home insurance?

ZS: Strong advice is the most important factor with any insurance purchase. Home insurance continues to become more complicated in terms of different coverage options available in the market.

I would suggest looking up and calling a local broker who not only has an understanding of the general risks of the area, but also has access to multiple markets to provide a quote for your home.

NF: Can you share a quick breakdown of the different coverage options available?

ZS: A home policy is fairly standard across companies, however each one offers slight variations to the coverages available; this can be the difference in receiving coverage, or not, in a claim scenario.

Each policy should be set up uniquely for your home and your needs. A few coverages I would recommend discussing with your insurance provider to make sure they are on your policy include: Guaranteed Replacement cost, Sewer back-up and Overland water.

Also, one of the biggest misses we see these days are clients not disclosing certain items that are limited on most policies, including: jewelry, bikes and instruments, to name a few. There is a cost to add the proper coverage to certain items, but it is essential to understand that this needs to be done before a claim is made—and not afterwards when it’s too late.

NF: What are some of the biggest factors that will influence the cost of home insurance?

ZS: Your credit score would be the biggest factor in most insurance companies’ rating systems. They also have incredibly detailed flood and water data that will rate the individual homes on their likely exposure to a flood.

The easiest example of this would be that a home at the top of a hill would likely see a lower water-related premium than the neighbour down the hill. Your distance to a fire hydrant determines the rate and for those rural properties it’s the distance to the closest firehall. Another key is the updates to your roof, electrical, plumbing and heating.

Each insurer is different, but a general rule is if these weren’t done in the past 25 years and are not done to current standard code, it will drastically impact your options, which naturally inflates the price. Many insurers refuse to write homes without updates.

NF: How do homeowners determine the rebuild value of their home? Is there a standard rule of thumb or industry recommendation that applies?

ZS: The key difference between insurance valuations and real estate valuations is insurance only looks at the cost to rebuild the existing structure. This is why you will often see a much lower number for your building value on your policy than what you paid for the property. I

n terms of determining that value, all brokers and agents have a valuation tool that given the factors disclosed by the client about the building will help them come back with a replacement cost value. This number is essential to determine the rating and allow the client to qualify for guaranteed replacement cost in certain scenarios.

The easiest way to be comfortable is to be as transparent as possible. Leverage your realtor and the previous owner to get all the answers possible around the year and the materials used to update the roof, electrical, plumbing and heating.

NF: Everyone wants to have ample protection in place, but at the same time they don’t want to overpay. How can homeowners know they’re getting the best rates? What should they be asking?

ZS: As noted above, the key rating metrics have less to do with the home itself. And gone are the days of asking your neighbour what they pay as a reasonable barometer.

Our industry has shifted to what is known as individualized rating, which means they are assessing your individual profile and the home, not just the structure you purchased. Given that, the easiest way to determine if you’re getting the best possible rate is to be transparent and answer as many of the questions as possible, while making sure you are asking to see multiple quotes.

To illustrate this, I ran a quote today on my home. Amongst our seven major providers with identical coverage, the quotes ranged from $1,200 to $3,500, with each company believing they priced my unique situation the right way. If I only got one quote online, who knows where it would have fallen in that range.

NF: Thanks so much for your time, Zac! This was very helpful—lots of great information here for homeowners.

Reach out to talk real estate with Nick Fitzgibbon when you’re ready to buy, sell or invest.

Connect with Zac at Sutherland Insurance to discuss the best coverage for you