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  <!-- Core pages -->
  <url><loc>https://www.trulyinsurance.ca/</loc><lastmod>2026-08-20</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://www.trulyinsurance.ca/quotations</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.trulyinsurance.ca/auto-home</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.trulyinsurance.ca/real-estate-landlord-insurance-overview</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/startups-founders</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/rental-portfolio-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/startup-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/claims</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/blog</loc><lastmod>2026-08-20</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/about</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/team</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/contact</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/careers</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/clients</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/insurance-companies</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/service-standard</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.trulyinsurance.ca/regulatory-disclosures</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <!-- Coverage product pages -->
  <url><loc>https://www.trulyinsurance.ca/coverage/auto-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/home-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/condo-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/tenant-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/landlord-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/business-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/commercial-auto-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/contractor-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/cyber-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/professional-liability-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/restaurant-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/coverage/cottage-insurance</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Client segment pages -->
  <url><loc>https://www.trulyinsurance.ca/clients/contractors</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/clients/retail-hospitality</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/clients/property-managers</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/clients/professionals</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/clients/newcomers</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/clients/seniors</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog posts -->
  <url><loc>https://www.trulyinsurance.ca/blog/cheap-car-insurance-ontario</loc><lastmod>2026-08-12</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/blog/ontario-home-insurance-coverage</loc><lastmod>2026-07-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/blog/landlord-insurance-ontario-guide</loc><lastmod>2026-07-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/blog/startup-insurance-guide-canada</loc><lastmod>2026-07-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/blog/bundle-home-auto-ontario-savings</loc><lastmod>2026-06-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/blog/switch-insurance-brokers-ontario</loc><lastmod>2026-06-06</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Location pages -->
  <url><loc>https://www.trulyinsurance.ca/locations/toronto</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/ottawa</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/mississauga</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/brampton</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/hamilton</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/london</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/markham</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/windsor</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/kingston</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/barrie</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/kitchener</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/guelph</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/waterloo</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/cambridge</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/stratford</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/brantford</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/woodstock</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/listowel</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/new-hamburg</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/elmira</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/ayr</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/paris</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/st-marys</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/fergus</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/elora</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/rockwood</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/erin</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/mitchell</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/mount-forest</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/burlington</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/oakville</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/milton</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/st-catharines</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/niagara-falls</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/sarnia</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/chatham-kent</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/peterborough</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/belleville</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/oshawa</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/whitby</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/vaughan</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/richmond-hill</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/sudbury</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.trulyinsurance.ca/locations/thunder-bay</loc><lastmod>2026-08-20</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
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