{"id":10883,"date":"2025-06-24T13:30:50","date_gmt":"2025-06-24T13:30:50","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?page_id=10883"},"modified":"2026-05-16T10:44:40","modified_gmt":"2026-05-16T10:44:40","slug":"short-term-rental-property-insurance-ontario","status":"publish","type":"page","link":"https:\/\/www.ona.ca\/short-term-rental-property-insurance-ontario\/","title":{"rendered":"Airbnb Insurance in Ontario"},"content":{"rendered":"\t\t
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Airbnb & Short-Term Rental Insurance in Ontario<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Renting your home, cottage, or condo through Airbnb or Vrbo is one of the most popular ways to generate income from property in Ontario. But the moment a paying guest walks through your door, your standard home insurance policy may no longer protect you. Most Ontario insurers exclude short-term rental activity entirely, leaving hosts exposed to property damage, liability claims, and income loss with no coverage to fall back on.<\/span>
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<\/span>At Oegema, Nicholson & Associates, we compare short-term rental insurance options across Canada’s top insurers to find the right fit for your property, your hosting frequency, and your budget. Whether you rent occasionally, seasonally, or year-round, we have a solution built for Ontario hosts.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Discover All Our
\nInsurance Services<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Personal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Personal Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Commercial Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Farm Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Airbnb Insurance in Ontario\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tPlatforms like Airbnb and Vrbo offer hosts some level of protection, but it\u2019s limited. Most standard <\/span>homeowners insurance<\/span><\/a>, <\/span>condo insurance<\/span><\/a>, or <\/span>cottage insurance policies<\/span><\/a> exclude short-term rentals entirely or deny claims caused by paying guests. That means if a guest damages your property, gets injured during their stay, or even throws an unauthorized party, you could be left footing the bill.<\/span>\n<\/span>\n<\/span>

\nOur short-term rental insurance options are designed specifically for Ontario hosts who rent out part or all of their home. <\/span>\n<\/span>

\n<\/span>We connect you with policies that address the real-world risks associated with short-term rentals, including property damage, theft, loss of income, and personal liability, so that you can host with confidence.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What Does Airbnb Insurance Cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Every hosting situation is different, which is why we offer flexible policies that we can customize to your needs. Depending on your property type, frequency of rental, and whether you live on-site, we’ll find the right level of coverage to protect what matters most.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Comprehensive\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Property Protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Property protection covers your building and the contents against accidental damage, vandalism, theft, or fire caused by guests. This includes protection for furniture, electronics, and rental-specific upgrades like keypad locks or security cameras.\u00a0<\/span><\/p>\n

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Whether you rent occasionally, seasonally, or year-round, we can find the coverage you need.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Personal Liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You need protection should a guest get injured on your property or cause damage to neighbouring properties. This coverage includes legal expenses and medical bills if you have been found liable.\u00a0<\/span><\/p>\n

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Personal liability coverage is ideal for hosts who want to protect their personal assets in the event of a lawsuit. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Loss of Rental Income<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If a covered claim, like a fire or a flood, renders your property uninhabitable, this coverage can reimburse you for the rental income you lose while the property is being repaired. This is especially valuable for high-demand seasonal rentals or full-time Airbnb operations. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Enhanced Host Protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Supplementary protection can fill the gaps left by Airbnb\u2019s Host Guarantee or Host Protection Insurance. This coverage can include intentional damage by guests, unauthorized rentals, and other similar concerns.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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What Does Airbnb's AirCover Actually Cover in Canada?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Airbnb<\/span><\/a> provides hosts with <\/span>AirCover<\/span><\/a>, which includes up to $3 million CAD in host liability coverage and up to $3 million CAD in damage protection. Those numbers sound substantial, but the gaps matter.<\/span><\/p>


<\/span>AirCover does not cover cash, jewelry, collectibles, vehicles, or watercraft. It does not cover damage caused to neighbouring units or properties. It does not replace lost income beyond the disrupted booking. And critically, it is not insurance. Claims go through Airbnb’s own internal resolution process, meaning Airbnb decides whether your claim is approved and for how much. An independent insurance policy removes that conflict entirely.<\/span>
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<\/span>Vrbo<\/span><\/a> hosts should also note that Vrbo does not offer an equivalent built-in protection program. If you list on Vrbo, standalone short-term rental insurance is essential, not optional.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Couple\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Short-Term Rental Insurance for Ontario Cottages\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tStandard cottage insurance in Ontario is written for personal seasonal use. The moment a paying guest stays at your property, most policies exclude the loss or may be voided entirely if the rental was not disclosed to your insurer.<\/span>

\n\nThis is a significant risk for Eastern Ontario cottage owners near the Rideau Lakes, the Ottawa Valley, and the Thousand Islands, where short-term rental demand is high and peak season income is substantial. A denied claim mid-season is not a position any host wants to be in.<\/span>

\n\nONA works with insurers who specifically accommodate short-term rental activity on cottage and seasonal properties. Coverage can be structured as a standalone policy, a seasonal endorsement that covers rental periods, or an add-on to your existing cottage insurance. If you are not certain whether your current cottage policy covers your Airbnb activity, the right time to find out is before your next guest arrives.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Airbnb Insurance for Ottawa and Eastern Ontario Hosts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Ottawa has thousands of active Airbnb listings, and short-term rental demand extends well beyond the city into communities like Manotick, Almonte, Merrickville, and the Rideau Lakes. As a locally owned brokerage with five offices across the region, ONA has direct knowledge of the specific risks and insurer requirements facing Eastern Ontario hosts.<\/span>
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<\/span>We place short-term rental insurance for Ottawa homeowners, Rideau Lakes cottage owners, and investment property holders across the region. If you host anywhere in Ottawa or the surrounding Eastern Ontario area, our brokers are available for a free, no-obligation quote.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Why Standard Home Insurance Isn't Enough<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Most homeowner policies in Ontario weren’t built with short-term rentals in mind, and failing to disclose that you’re hosting on platforms like Airbnb or Vrbo could result in your coverage being reduced or voided altogether.\u00a0<\/span><\/p>

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This is because once you begin earning income from your property, you’re no longer just a homeowner; you’re operating a small business with all the risks that come with it.\u00a0<\/span><\/p>

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From guest injuries to property damage and even legal disputes, your liability increases significantly. That’s why Airbnb insurance from ONA includes coverage that functions more like<\/span> small business insurance<\/a><\/strong>, giving you the protection you need to rent responsibly and confidently without risking your home or financial future.<\/span><\/p>

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At ONA, we help you avoid costly surprises by finding insurance specifically designed for short-term rentals, not a generic add-on that leaves you exposed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Who Needs Airbnb Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You should consider a dedicated insurance for Airbnb if:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou rent out your primary residence while on vacation or during peak travel seasons.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou own an investment property used solely for Airbnb or Vrbo rentals.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou list a basement suite, secondary unit, or guest house on short-term platforms.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou occasionally host strangers in your home to earn an income.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Whether it’s a sleek downtown condo, a family-sized townhome, a detached suburban house, or a cozy lakeside cottage, if you’re generating income through short-term rentals, standard home insurance likely isn’t enough. Condo owners, in particular, face unique challenges; shared spaces, strata or condo board regulations, and increased foot traffic from guests can all complicate your coverage.<\/span><\/p>

Most traditional <\/span>condo insurance policies<\/a><\/strong> do not protect you from guest-related risks, such as accidental damage to your unit, theft, or liability if someone is injured inside your space. And if short-term rentals violate your building’s bylaws, some insurers may even deny claims altogether.<\/span><\/p>

That’s why Oegema, Nicholson & Associates offers Airbnb-specific insurance tailored for condo owners in Ontario. We help you stay compliant, protected, and profitable with coverage that goes beyond your building’s standard policy so that you can host with total peace of mind.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Tailored Coverage for Every Host<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Not all Airbnb insurance policies are created equal. We work with Canada’s top insurers to offer customizable Airbnb coverage that aligns with your property, location, and hosting frequency.\u00a0<\/span><\/p>\n

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Options include:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tNamed Perils or Comprehensive Coverage:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tChoose coverage limited to specific risks or opt for broader protection.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tStandalone Short-Term Rental Policies:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tIdeal for investment properties or secondary homes.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tAdd-Ons to Existing Policies:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tFor part-time hosts looking to extend their current homeowner's insurance.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tMulti-Unit Property Coverage: \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tPerfect for landlords offering short-term stays in multiplexes or guest suites.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Our brokers will guide you through your options, clearly explain the details, and help you make an informed decision.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Frequently Asked Questions About Short-Term Rental Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What does Airbnb's AirCover actually cover in Ontario?<\/span><\/path><\/svg><\/div>

AirCover provides up to $3 million CAD in host liability and damage protection, but the exclusions are significant. Cash, jewelry, collectibles, vehicles, neighboring property damage, and income loss beyond the disrupted booking are all excluded. AirCover is also not insurance. Claims go through Airbnb’s own resolution process, meaning Airbnb decides whether your claim is approved. A standalone policy from an independent broker gives you coverage that is not dependent on the platform’s judgment at claim time.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div>

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How much does Airbnb insurance cost in Ontario?<\/span><\/path><\/svg><\/div>

The cost varies based on your property type, value, location, rental frequency, and coverage level. Part-time hosts renting occasionally can often add coverage to an existing home policy for a modest additional premium. Full-time hosts and investment property owners typically need a standalone policy at a higher premium. The best way to understand your cost is through a free broker comparison. ONA compares options across multiple insurers rather than quoting from a single company, which typically results in better coverage at a more competitive price.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div>

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Does my regular home insurance cover Airbnb rentals in Ontario?<\/span><\/path><\/svg><\/div>

No. Most standard home insurance policies in Ontario exclude short-term rentals entirely or deny claims caused by paying guests. Once you begin earning income through platforms like Airbnb or Vrbo, your personal policy was not written to cover that exposure, and your insurer may reduce or void your coverage altogether. A dedicated short-term rental insurance policy ensures you are properly protected before your first guest checks in.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div>

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Do I need to tell my insurer I am renting my property on Airbnb?<\/span><\/path><\/svg><\/div>

Yes. Failing to disclose that you are renting on Airbnb, Vrbo, or any other platform is misrepresentation and can result in your home, cottage, or condo insurance being voided and any claims being denied. This applies whether you rent occasionally or year-round. Contact your ONA broker before your first guest arrives.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div>

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What does short-term rental insurance cover in Ontario?<\/span><\/path><\/svg><\/div>

Short-term rental insurance in Ontario typically covers property damage caused by guests including accidental damage, vandalism, and theft; personal liability if a guest is injured on your property; loss of rental income if a covered claim renders your property uninhabitable; and enhanced host protection that fills the gaps left by platform programs like AirCover.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div>

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Do I need separate insurance for my Airbnb cottage in Ontario?<\/span><\/path><\/svg><\/div>

Yes, in most cases. Standard cottage insurance policies in Ontario are written for personal seasonal use and typically exclude short-term rental activity. Your existing coverage may be voided if your insurer discovers you have been renting to paying guests without disclosing it. A dedicated short-term rental policy or a cottage insurance endorsement that specifically covers hosting activity is required.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Why Choose Oegema, Nicholson & Associates for Airbnb Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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With over 50 years of experience serving families and property owners in Eastern Ontario and Western Quebec, ONA knows what it takes to protect what matters most.\u00a0<\/span><\/p>\n

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As a trusted local brokerage, we act in your best interest, not the insurance company’s. We explore options from Canada\u2019s top providers, finding flexible coverage tailored to your unique needs.\u00a0<\/span><\/p>\n

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You’ve invested time and money into creating a space that people love to stay in. Now, let’s make sure it’s properly protected.<\/span><\/p>\n

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Whether you’re just getting started with Airbnb or you’ve been hosting for years, ONA can help you find the right Airbnb insurance in Ontario to match your needs and protect your bottom line.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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What Our Clients Are Saying\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Real stories from people who trust
Oegema Nicholson Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Google\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Jennifer\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Jennifer Parks, Stittsville, Ontario<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"Google\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u201cI\u2019ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Charlene\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Charlene Brunet, Butler Group of Company<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"Google\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Tick\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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\u201cONA helps me with my personal insurance and my business insurance. They are my one stop shop when it comes to insurance and group benefits. I know I\u2019m covered in all areas. Great friendly service and knowledgeable staff!\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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James Carriveau, President, Exact Interlock and Exact Properties<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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“It\u2019s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it\u2019s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I\u2019m taken care of.”<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Rhonda, Capital Dodge<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u201cI would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can\u2019t begin to thank her enough.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Tim<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\tarraow-right<\/title>