If a pipe bursts while you sleep, a kitchen fire gets out of control, or a tree crashes through your roof, insurance can help you avoid financial hardship. It is essential for all homeowners. The trick is to ensure you have the coverage you need at reasonable rates. Policies vary from company to company and salespeople often work on commission, so it pays to understand the key features of insurance and to shop around.  Tips to reduce your premiums:  1. Begin by reviewing your current policy. TD Insuran... read more