Personal Insurance

D.G. Smith offers a full range of personal insurance products tailored to meet your individual needs
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Personal Insurance Overview

Whether it is your home, car, trailer or cottage, D.G. Smith’s account managers will assist you in protecting your valuable assets.

Personal insurance is purchased for personal protection for you and your family, including products like home, auto, recreational vehicle, cottage/seasonal dwelling, and more. D.G. Smith is passionate about helping families and individuals find insurance solutions and continues to maintain excellent customer service. Our insurance experts take the time to learn your unique needs and discuss solutions that are the right fit for your family.

Two story Brown New construction Craftsman house siding with and a large yard. Front view of home with curb appeal.


Whether the place you call home is a small bungalow or a multi-level manor, D.G. Smith’s account managers want to assist you in protecting your valuable assets. We offer protection whether you’re a homeowner, a tenant, if you live in a condo or own a seasonal property.


Auto insurance is mandatory in Ontario so if you drive and/or own a vehicle, you probably have some coverage – but is it enough? In Ontario, drivers are required by law to carry third-party liability insurance. It is highly recommended that drivers carry at least $1,000,000 in liability, especially with Ontario’s no-fault insurance rules where everyone is compensated for damages and injuries regardless of who caused the accident. D.G. Smith can provide the coverage you need to protect you and your vehicle.

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& More

D.G. Smith is proud to offer an extensive list of personal insurance products to better protect you and your family’s investments. We offer risk management solutions and professional advice to those looking to protect theirs. We know that insurance isn’t one size fits all, and that’s why we believe in providing our clients with choice and take the time to fully understand what it is you need protected most.

Ask D.G. Smith about any of the following:

  • Mobile home
  • Recreational
  • Watercraft insurance
  • Excess liability (umbrella)
  • Motorcycle insurance
  • Seadoo
  • Trailer – horse, utility, tent, 5th wheel
  • ATV
  • Snowmobile

Other Personal Insurance Options

Watercraft Insurance

If you own a boat, a sea-doo, or other watercraft, you know much you have invested and how much it would cost to fully replace. D.G. Smith helps you protect your watercrafts when your home insurance might not be enough to cover everything, including the physical structure and your liability when operating them.

Cottage/Seasonal Property Insurance

If you and your family own a seasonal property to retreat to in the summertime, you will already be aware of how big of an investment it is. D.G. Smith helps you protect your cottage or seasonal property and everything inside by helping you find coverage according to your needs and budget. Keep your cherished memories safe with cottage/seasonal property insurance.

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Getting a quote with D.G. Smith has never been easier! Apply for a quote today online, over the phone, or in-person.

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