Extra protection for your home

Your home is more than a building—it’s where life happens. Water damage is one of the most common and costly challenges homeowners face, and we know how stressful it can be. That’s why Orbit offers dependable coverage designed to help you recover quickly and protect what matters most.

Sewer Back-Up & Water Endorsement

This coverage helps safeguard your home from unexpected damage caused by overflow or discharge from storm drains, septic systems, sump pumps, and related equipment. Coverage options vary by location, so we’ll work with you to find the right level of protection for your home.

Overland Water Protection

Heavy rains, spring run-off, or overflowing lakes and rivers can lead to water entering your property. With sewer back-up protection in place, you may also qualify for overland water coverage, giving you added peace of mind during unpredictable weather. 

Service Line Coverage 

Even small issues can lead to big expenses. Service line coverage protects you from costly repairs if underground utility lines (water, sewer, electrical) on your property are damaged. It’s a simple way to prevent unexpected financial strain.

Tip: Homes equipped with water sensors or centrally monitored water alarms may qualify for discounts—another way we help you stay safe and save. 

Talk to an advisor today to learn how we can help protect your home.

Protect your identity

In today’s world, cyber threats are becoming more sophisticated—and we know how stressful it can feel when your personal information is at risk. That’s why cyber and identity theft coverage is designed not just to protect your data, but to help you recover quickly and regain peace of mind. 

Cyber coverage offers protection if your personal devices or home systems are hacked, held for ransom, tampered with, or misused with harmful intent.

Identity theft coverage provides an added layer of care if someone steals your personal information and uses it to cause financial harm. We can even help cover the administrative costs and time away from work needed to resolve the issue—because your well‑being matters.

Basic coverage focuses on two key areas:

• Credit card, ATM card, forgery, and counterfeit money protection
• Identity theft expense coverage

You don’t have to face these challenges alone. Talk to one of our insurance advisors today to learn how we can help safeguard your identity and give you the confidence to move forward.

Drive safely, save confidently

We care about your safety on the road—and we know how important it is to feel supported while keeping your insurance affordable. That’s why many of our trusted partners offer programs designed to reward safe driving habits, giving you both peace of mind and meaningful savings.

Aviva Journey: Sign up and enjoy an immediate 10% discount, with the chance to save up to 20% based on your driving habits. The Aviva Journey app helps you understand what factors affect your premium in real time, while encouraging safe speeds, smooth control, and attentiveness. Your earned discount of up to 20% will apply at renewal, rewarding the care you put into every trip.

Intact my Drive: Start with a 10% discount and save up to 30% as you build your safety score. Every six months, your discount is recalculated based on habits like avoiding distracted driving, gentle acceleration, careful braking, and safe driving hours. It’s a program that grows with you, recognizing your commitment to safer roads. 

CAA Connect: Enroll and receive a 5% discount in your first year, with the opportunity to save up to 15% after one year. Using the on‑board diagnostics device provided by CAA, you’ll be rewarded for driving less than 12,000 km annually, avoiding speeding, and limiting driving during high‑risk hours. It’s a simple way to turn safe choices into savings.

CAA My Pace: Perfect for low‑mileage drivers, this program adjusts your premium based on how much you drive. Save up to 75% if you drive less than 1,000 km per year, or up to 5% if you drive up to 8,000 km. It’s flexible, fair and designed to fit your lifestyle.

These programs are here to help you feel confident behind the wheel, knowing that safe driving not only protects you and your loved ones but also rewards you with meaningful savings. 

Talk to an insurance advisor to learn more.

Secure your vehicle, save more

Your safety matters—and protecting your vehicle doesn’t just bring peace of mind, it can also help lower your insurance costs. Depending on where you live, installing a trusted tracking or disabling device could mean meaningful savings on your auto insurance. 

Ontario: Get up to 20% off when you install a central tracking device like KYCS or TAG, with additional savings available for other approved systems.

Alberta: Receive a 10% discount when you install an auto-arming disabling system from a recognized dealer. 

Québec: Enjoy discounts of up to 20% when you install a central tracking device like TAG, with additional savings available for other approved systems.

Northwest Territories: Get a 10% discount when you install an ignition-disabling device with automatic activation. 

New Brunswick: Benefit from a 20% discount for three policy terms when you install a KYCS central tracking device.

Nova Scotia: Discounts available of up to 20% for vehicles that have a central tracking device installed such as KYCS or TAG.

Prince Edward Island: Take advantage of individualized rating and enjoy discounts when you install any central tracking device.

Talk to an insurance advisor to learn more.