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June 23, 2021 69 min

#118:  Covering All Your Bases With Property Insurance w/ Todd O’Donnell

On this week’s show Gary chats with Todd O’Donnell from Desjardins Insurance. Gary has most of his insurance needs covered by Todd and his team - car, home, investment properties and yet this was the first time they had met face to face! They touched on replacement cost vs. Resale prices; whether you *need* home insurance in Canada, and many more things!


  • Replacement costs vs. Resale prices, why the difference?
  • What to do when tenants leave with your insurance to make sure you’re covered
  • Do you need to let your insurer know if you go from single family to multi unit?
  • What to do if you are in the middle or about to start a renovation
  • Do your rates go up with making claims?
  • Umbrella insurance, what it is and how you use it
  • Flood protection and premiums
  • Content insurance for tenants, can you demand it or force them to have it
  • Cottage insurance and coverages
  • Do you *need* home insurance in Canada, and the answer may surprise you!
  • Why you should drive by your property every month, and enter the property every 3 months
  • Mindset of being an entrepreneur
  • And MORE!
  • Todd’s Bio

    With two offices in Ontario, Todd and his team of 12 have over 60 years of combined experience in the insurance industry. His offices offer home, auto, investment property, business and life and health insurance products.

    Todd lives in Kitchener and is supported by his amazing wife Tara and two teenage boys, Ryan & Cole.

    Website/contact info for guest





    This episode proudly sponsored by Deep Pockets -

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    As an investor, YOU GET TO BE THE BANK, using your cash, your RRSPs, LIRAs or even TFSAs. Earn maximum returns with NO out of pocket expenses.

    To find out more, visit the website or email

    Please a leave a review, as it helps Gary understand if he’s bringing on the right guests that you want to hear from!

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