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BoC keeps policy rate steady as US tariffs and trade war cloud economic outlook

1 week ago | rates.ca | Arshi Hossain

KEY FINDINGSThe Bank of Canada is keeping the policy rate at 2.75% after two recent cuts to balance inflation and economic pressures. New 25% tariffs on autos and other goods are driving costs up, slowing growth, and hurting confidence. Canada lost 62,000 jobs in March, pushing unemployment to 6.7% as businesses cut hiring and investments. Home sales are at a three-year low, with Toronto sales down 23%, though lower rates may aid recovery.
Why climate change will increase home insurance costs in 2025: Be prepared

2 weeks ago | rates.ca | Arshi Hossain

Brace yourselves, Canadian homeowners: 2025 is shaping up to be a stormy year—weather-wise, and for your finances. As extreme climate events become the new normal, insurance companies are feeling the squeeze, and so will your budget. The new normal: Has climate change arrived and settled down to stay?
Why climate change will drive home insurance hikes in 2025: Be prepared

3 weeks ago | rates.ca | Arshi Hossain

Arshi Hossain April 4, 2025 Table of Contents The new normal: Has climate change arrived and settled down to stay? What’s being done and how the costs of inaction become too high How can you prepare for climate-related rising insurance costs Brace yourselves, Canadian homeowners: 2025 is shaping up to be a stormy year—weather-wise, and for your finances. As extreme climate events become the new normal, insurance companies are feeling the squeeze, and so will your budget.
How much more money do you need to make to buy a home in Canada?

1 month ago | rates.ca | Arshi Hossain

You'll be redirected in a few seconds. Please don't exit this window. We are now transferring you to LowestRates.ca to complete your quote. If you are not redirected within 30 seconds, please click here to continue. If you are looking for a car insurance quote in Quebec, you will be directed to Click Insurance, where you will be able to compare quotes from top insurance companies in that province. You'll be redirected in a few seconds. Please don't exit this window.
The cost of impaired driving in Canada

1 month ago | rates.ca | Caitlin McCormack

Impaired driving isn’t just dangerous, it can be life-altering. Every year, impaired drivers claim countless lives and shattered families. They also face severe consequences for getting behind the wheel under the influence. March 17 to 23 is National Impaired Driving Prevention Week (March 17–23). In this article, we explore facts about impaired driving in Canada, the legal limits, and what happens if you’re caught driving under the influence.
BoC cuts policy rate again by 25 basis points amid ongoing tariff tug-of-war

1 month ago | rates.ca | Aya Al-Hakim

The Bank of Canada has lowered its overnight interest rate by 25 basis point to 2.75%, marking its second consecutive cut this year, and seventh since the rate cuts began in June 2024. This latest cut comes amidst increasing economic challenges. The U.S. has put tariffs on more than 60% of Canada’s imported goods, like machinery and clothing, with businesses facing higher costs and possible job losses.
How to protect your home from ice storms and spring flooding

1 month ago | rates.ca | Aya Al-Hakim

The cost of natural disasters in Canada is going up, with extreme weather causing over $8 billion in damage in 2024, according to the Insurance Bureau of Canada (IBC). A lot of this damage is from water, but it's not just spring floods you need to worry about—ice storms can also damage your home. Over the past decade, rising sea levels, extreme rainfall and storms, and rapidly melting snow due to climate change have increased the likelihood of flooding and the severity ice storms across Canada.
How will US tariffs affect your auto and home insurance?

1 month ago | rates.ca | Arshi Hossain

After months of speculation, on February 1, 2025, U.S. President Donald Trump signed off on 25% tariffs for all goods imported from Canada and Mexico, along with 10% on goods from China. But just two days later, he announced a 30-day pause on the Canada and Mexico tariffs to negotiate with both countries.
Should you sell your U.S. vacation home?

1 month ago | rates.ca | Caitlin McCormack

The Canadian dollar has been struggling against the greenback, political tensions between our two nations are intensifying, and climate change is increasingly hitting popular vacation spots. Any one of those factors might cause U.S-bound snowbirds to reconsider booking their flights, but the combination of all three are leaving Canadians who own vacation homes or timeshares in states like Florida or California scrambling to offload their properties.
Going green at home: What it really costs to do good

2 months ago | rates.ca | Aya Al-Hakim

KEY FINDINGS Heat pumps, solar panels, and energy-efficient windows can cost tens of thousands of dollars, with full renovations costing $78,692 before rebates. Programs such as the Canada Greener Homes Grant can cover up to $35,942 of the costs. Upgrades like improved insulation and heat pumps can lower energy bills by up to 40%, saving households over $2,000 annually.