Helpful Resources

Need some advice? Here are some tips that can help you make a more informed decision when it comes to your insurance products. You may find these tips useful! Click on the heading that you are interested in learning more about.

Buying a home is one of the most exciting yet stressful times in your life. You find the home of your dreams, and come to find out it is full of issues that will cost a lot of money to repair. The key is to find out the issues prior to the final closing so you can be sure to have the original owners address the issues. When it comes to insurance, we would like to help you throughout the process and advise you what things can affect your rates and insurability. As soon as you find that home of your dreams, give us a call. We can guide you on what questions to ask so you can make sure to get the answers you need prior to closing.

Here are a few things to keep in mind when looking around with your agent or the homeowner for your new home:

  • Be sure to consider the age of the home, some insurance companies offer discounts for homes under 10 years old and for homes over 20 years old, we will require a listing of updates on the roof, plumbing and heating.
  • How is the home heated? If there is an oil furnace make sure it was serviced recently to improve efficiency. Your insurance company will want to know the age of the oil tank and where it is located and will also require a photo. Some homes have a secondary heating source or auxiliary heat source, such as a wood or pellet stove! That is great for cost savings on heat however, from an insurance perspective it may increase your insurance. Be sure to find out the age of the device and if it was professionally installed.
  • Some neighborhoods have fire hydrants while others are close to a fire hall, this is something to consider when choosing your home. Insurance rates can be affected depending on the distance to a fire hall or hydrant.

If you have any questions about any of the above information or anything else regarding your coverage, please contact us and we will be happy to help you. Congratulations on your new home!

You have finally found the car you love - Great price, great gas mileage, great ratings, and you are ready to drive it home. If you have insurance coverage already in place it does extend to a newly acquired vehicle, however if you have a vehicle on your policy with liability only, you will only be covered for that. Make sure you contact us if you think you are going to be purchasing a vehicle so we can go over your coverages with you!

As we all know as soon as you drive off of the lot the value of your new vehicle decreases. Most insurance companies have an optional coverage that can be applied to a brand new vehicle to stop this depreciation for a certain amount of time. If you happen to have a total loss within the allotted time frame given, the insurance company will cover the vehicle for the full purchase price! Give us a call to ask for details!

If you have any questions about the information above or anything else regarding your vehicle, please contact us and we would be happy to help you.

Did you know that when renting a property (either an apartment, house or condo) your contents are not covered under the owner's insurance policy? The owner of the property is responsible for the coverage on the actual building only! Coverage for your contents is easily attained and very reasonable in price. A common mistake some renters make is thinking they don’t have anything that is very valuable – just think of everything in your home including your clothes, dishes, sofa, bed, etc – it adds up fast!

Not only will a tenant policy cover you for your contents but also liability coverage. Did you know that you can be held liable in the event of a fire? If the fire is found to be caused by neglectful circumstances which may include: cigarette’s, leaving a burner on or leaving a candle burning you can be held liable. If you have a tenant policy in place, the liability portion of your policy can help protect you.

Contact us for further information or to request a quote on tenant insurance, you won’t be sorry!

Going on vacation is an exciting time and we tend to focus on things like, what to pack, what to do once at our destination and making sure our money is changed to the correct currency; but what about travel insurance? Some medical plans do cover you, as long as you let them know where you are going and when you will return and some do not cover you at all. Make sure you have it in place prior to your departure!

We offer coverage including medical, baggage, trip interruption and cancellation insurance. Contact us with any questions and to arrange coverage for your next trip!

Over the years Bi-Laws have changed several times and can be different for every city and town. Some homes were built when certain bi-laws were in effect but have changed since that time. Did you know that if something were to happen to your home that would cause a rebuild/major repair the new bi-laws would be in effect? For instance, in most cities basement walls must be insulated according to a bi-law. If you had an older home that had to be rebuilt due to a claim the bi-laws for the present time would have to be followed, even if the home did not have insulated walls prior to the claim.

The purpose of insurance is to “put a person back into the same position as they were prior to a claim”. This means that new bi-laws that would change certain elements of a home today may not be covered under your policy and you may have to pay out of pocket to bring the home up to the current standard. Contact us to learn more about Bi-Law protection and what your insurance company has to offer to ensure this doesn’t happen to you!

No one likes to think of the damage that water in their basement caused by a sewer backup can cause, the cost of the repair can easily amount to thousands of dollars. The majority of home insurance companies do not offer sewer backup as an included coverage however, in most cases it can be purchased as an “add-on” coverage.

It’s not just homeowners that can be affected by sewer backups. Rented homes and Townhouse style condos are just as susceptible to sewer backup damage. Multi-unit condos and apartment buildings can pose an additional risk as these types of units can be more susceptible to internal drainpipe blockages causing sewer backups in the unit with the blockage and in nearby units. A sewer backup causing damage to property you own would only be covered if you purchased the Sewer Backup coverage as an “add-on” to your tenant or condo insurance policy.

Give yourself the best protection possible and contact us to discuss Sewer Backup coverage and your options.

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