HRC Insurance Blog

Would you like to win 2 tickets to the Toronto Boat Show?

Go over to our Facebook page, make sure to like our page and post for a chance to win. The winner will be announced January 11th at 10 AM.

Published: 1/8/2016 9:59:00 AM - by: HRC Insurance

When to notify your Insurance Broker

Did you switch to winter tires? Or re-shingle your roof this summer? Or maybe you paid off your mortgage. These are just a few examples of things to inform your Insurance broker about to make sure you are getting the best rate and coverage possible. Here is a list of reasons to inform your insurance broker.

Published: 12/11/2015 11:12:00 AM - by: HRC Insurance

Fireplace and Woodstove Safety

Gathering around the fireplace during colder months provides comfort for many Canadian families. With fireplaces and woodstoves, through they bring warmth they come with safety measures that we need to follow. We must think about chimney fires, building codes, smoke alarms, fire extinguishers and proper operating procedures. Here are some things to think about this heating season:

Published: 12/4/2015 11:14:00 AM - by: HRC Insurance

Holiday Fire Safety

The holidays are approaching and each year hospital emergency rooms treat thousands of people for injuries. These injuries involve falls, cuts, and shocks related to holiday lights, decorations, and Christmas trees. In addition, Christmas trees are involved in hundreds of fires each year. These fires can result in injuries, and property loss and damage. Keep you and your family safe this holiday season by following these safety tips.

Published: 11/27/2015 11:35:00 AM - by: HRC Insurance

Home Heating Safety Tips

• When buying a home or a heating system, make sure you receive the heating systems maintenance and operating manuals.
• Have the heating system serviced by a licence technician at least once a year.


Published: 11/20/2015 4:31:00 PM - by: HRC Insurance

All-Season vs Winter Tires

Grip is critical when it comes to tires. Not only to avoid getting stuck, but to ensure that your car can stop and steer. Life-saving technologies that make our vehicles safer; such as anti-lock brakes, electronic stability control and all-wheel drive can not do their jobs if your tires can not maintain grip on the road surfaces.

Published: 11/13/2015 4:43:00 PM - by: HRC Insurance

Kitchen Safety

Every year, more than 4 million Canadians get food poisoning. Did you know that you cannot tell if food is unsafe but its smell or taste? When it doubt, throw it out. Here are some kitchen safety tips to keep in mind when in the kitchen.

Published: 11/6/2015 12:52:00 PM - by: HRC Insurance

Halloween Safety Tips

Choosing the right costume
• Use make-up or face paint instead of a mask. But before using paint or make-up do a patch test to see if your child has a reaction.
• If you do use a mask, make sure it fits properly and allows you to see and breathe easily.


Published: 10/30/2015 4:27:00 PM - by: HRC Insurance

Winterizing the Cottage Tips

The leaves are falling and the mornings are getting crisper. Now that cottage season is over, it’s time to get it ready for the winter. Doing a proper job when closing up the cottage for the winter means you will have a more enjoyable weekend opening up the cottage in the spring. Although every cottage is different here are some things to keep in mind while putting your cottage to bed for the winter.

Published: 10/23/2015 3:17:00 PM - by: HRC Insurance

Winter Tire and Winter Driving Myths

Winter tires are not like All-season tires. Winter tires have special rubber compounds designed to improve traction, handing, and breaking in all cold weather conditions, just not on ice and snow. Using four winter tires is recommended. Four winter tires ensures optimum traction and control for all vehicle types it’s the cheapest insurance you can buy to protect yourself, your family, and others on the road. Here are some winter driving myths:

Published: 10/16/2015 4:29:00 PM - by: HRC Insurance


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.