Mb Kouri Insurance Brokers

Mb Kouri Insurance Brokers is an insurance brokerage located at 1294 Mountain Rd in Tamworth, Ontario, reachable at 800-465-6874. Listed under the "Courtier d'assurance" category, the brokerage works with clients across the region on coverage for homes, vehicles, and the seasonal properties that are common throughout this part of eastern Ontario. For residents planning their first call or their first visit to the office, a bit of preparation makes the conversation shorter and the resulting policy a better fit.

Getting ready for your first appointment

The first meeting with a broker is mostly a fact-finding exercise, and it goes faster when you arrive with your current documents in hand rather than trying to recall details from memory. Gathering a short list of information before you call or drop by the Tamworth office will help the broker put together options that actually match your situation.

What to bring or have ready

Useful items include your current policy documents (even an expired one gives a broker a starting point), a note of any recent claims, the year and details of any vehicle, trailer, or structure you want insured, and a rough sense of your budget. If you are insuring a seasonal property, campground, or travel trailer, having the make, model, and typical use pattern on hand — how often it moves, whether it stays parked for the season, or whether anyone lives in it year-round — helps the broker sort it into the right coverage category from the start.

Questions worth asking during the visit

It is worth asking directly what is and is not included in a quoted premium, what the deductible looks like for the specific risks that matter to you, and how claims are typically handled. For anyone insuring a trailer, cottage, or small business property, it also helps to ask how coverage changes between the months the property is in active use and the months it sits empty, since seasonal use is common in this part of the province.

After the first conversation

Most first appointments end with a written quote rather than an on-the-spot policy. Take that quote home, compare it against what you were previously paying or against any other quote you have, and don't hesitate to call back with follow-up questions before committing. A good broker expects a second conversation and will walk through the fine print again if asked.

Insurance services offered

Mb Kouri Insurance Brokers works on both everyday personal insurance and the more specialized coverage that seasonal and recreational properties require, including campground and travel trailer insurance.

Campground and resort coverage

For campground and resort operators, coverage options can include all-risk replacement cost protection on buildings, tools and equipment coverage, watercraft and inflatable water toy coverage, a homeowners-style package with personal liability and contents, sewer backup, earthquake and flood protection, loss of income coverage, coverage for hydro poles and lines, pollution liability, and crime coverage, with liability limit options that scale up depending on the size of the operation. Coverage can also extend to specific activities such as fireworks displays or wagon rides that a campground may offer to guests.

Travel trailer, park model, and mobile home coverage

Because a travel trailer is not a motor vehicle, it is not automatically covered the way a car or truck is once it is unhitched and parked — liability from a towing vehicle's auto policy only applies while the unit is actually being towed. Depending on how the unit is used, coverage falls into different categories: a travel trailer that is regularly hitched and moved between locations, a park model that stays permanently set up and is used seasonally, or a mobile home that serves as a full-time, year-round residence. Packages can be built around increased contents coverage, liability protection, and physical damage coverage appropriate to each of these uses.

Serving Tamworth and the surrounding area

Tamworth sits in a rural stretch of Lennox and Addington County, where lakes, cottages, and seasonal properties are part of daily life for a large share of residents. That local reality shapes the kind of coverage people in the area actually need: a cottage that sits empty for part of the year, a travel trailer that gets towed to a favourite lakeside spot every summer, or a small rural property with outbuildings and equipment that a standard homeowners policy doesn't fully address. A broker working in this part of Ontario deals with these situations regularly, which is part of why a face-to-face or phone conversation tends to turn up coverage gaps that an online quote form would miss. Whether you're insuring a year-round home on Mountain Rd or a seasonal trailer parked closer to the water, starting with a clear picture of how the property is actually used makes it easier to land on the right policy the first time.

Frequently asked questions

Do I need a separate policy for my travel trailer?

A travel trailer is not classified as a motor vehicle, so it does not automatically carry the same coverage as a car. While it is being towed, liability can extend from the towing vehicle's auto policy, but once it is parked, that protection stops. For this reason, a separate liability policy for the trailer itself is generally recommended.

What should I bring to a first meeting about campground insurance?

It helps to bring a summary of the buildings, equipment, and amenities on the property, an idea of what activities or rentals (such as boats or water toys) are offered to guests, and any existing policy documents. This lets the broker match coverage — from building replacement cost to liability limits — to how the campground actually operates.

Does coverage differ for a trailer that stays parked all season versus one that gets towed often?

Yes. A unit that is regularly hitched and moved is typically treated differently than one that is permanently set up and used seasonally, or one that serves as a full-time residence. Each classification affects the type and amount of coverage that makes sense, so it's worth describing your actual usage pattern clearly during the first conversation.

How do I know how much coverage I need?

The right amount of coverage depends on how often the property or trailer is used, your overall budget, and the value of what you're protecting. Rather than guessing, it's best to walk through these details with a broker, who can weigh the trade-offs and recommend a level of protection suited to your specific situation.