HRC Insurance Blog

Discounts Revealed

You may think all discounts automatically get added if you qualify, but discounts are only as good as the information you provide. A good insurance broker will try to ask questions to deem the eligibility of the discount but as insurance brokers are human they sometimes could miss one or two if they are not mentioned. Most brokers will double check all discounts at the time of renewal but having a knowledge of the discounts can help especially if you deal with a direct insurance company. Brokers work for you to give you the best coverage whether it is a cottage policy all the way to a moped we search for the discounts that fit your lifestyle best.  

Some popular discounts you may not be aware of are as follows:


  • Retiree
  • Graduated licensing discounts G Licence
  • Good student discount (Intact)
  • Away at school discount
  • Hybrid/green vehicle discount
  • Farmer discount
  • Driver’s training
  • Multi line
  • Winter tire
  • Multi-vehicle


Property Policies

  • Septic system
  • Non-Smoker
  • Age
  • Multi-line
  • Multi-property
  • Combined policy
  • Unfinished basement
  • Loyalty discount
  • Tankless water heater
  • Age of hot water tank
  • Water alarm
  • Home age discount
  • Mortgage free discount


Some direct insurance companies will not follow up and check your available discounts on renewal, having an independant insurance broker working for you not only saves you money but we can also help to give you the insurance that works best for you. Keep in the loop with Hutchenson Reynolds and Caswell, Muskoka's independent insurance company.


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.