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Make a Home or Business Inventory. Before It’s Too Late.

WHEN IT COMES TO INSURANCE, THERE ARE MANY DETAILS AND REQUIREMENTS THAT ARE NOT OFTEN THOUGHT OF UNTIL YOU ARE FACED WITH A CRISIS SITUATION, AT WHICH POINT IT IS OFTEN TOO LATE. One such detail is that you are required to provide a schedule of contents lost or...

Benefits of Reviewing Your Property Policy

Did you know that a simple review of your policy can save you money? Time and time again you will have received your renewal and seen the rates increase, but your pay may not have. This can be tough and we understand, as we are insurance consumers as well as advisers...

Why Are My Premiums So High?

This question seems to come up each year and around the same time…at renewal! The goal of this article is to assist you in having a better understanding of what goes into determining premiums for personal lines policies, like automobile and property risks. Because...

GPS Technology Could Help Criminals Rob Your Home

A THIEF CAN STEAL YOUR CAR IN AS LITTLE AS TWO MINUTES. A SMASH AND GRAB ROBBERY CAN HAPPEN IN SECONDS. IF YOUR CAR HAS A GPS DEVICE WITH YOUR HOME ADDRESS PROGRAMMED INTO IT, A THIEF CAN ROB YOUR HOME TOO! One recent story involved a car break-in at a local sporting...

Wow! What a Wild Wind

DON'T LET A TORNADO BLOW YOUR ASSETS AWAY ON AUGUST 21, 2011, THE FIRST F3 TORNADO IN OVER 15 YEARS HIT THE LAKESIDE TOWN OF GODERICH, ONTARIO, CAUSING OVER $75 MILLION DOLLARS IN DAMAGE. LIKEWISE, ON JUNE 6, 2010, AN F2 TORNADO WENT FROM HARROW THROUGH KINGSVILLE...

Water Damage: What’s Covered?

WATER DAMAGE CLAIMS HAVE BECOME A BIG PROBLEM FOR CANADIAN HOMEOWNERS. REASONS FOR THE INCREASE CAN BE TRACED TO CLIMATE CHANGE, LIFESTYLE CHANGE AND AGEING INFRASTRUCTURE. MOST HOMEOWNER POLICIES COVER WATER DAMAGE THAT HAPPENS SUDDENLY AND ACCIDENTALLY, BUT MAY NOT...

Do You Use Your Vehicle for Business?

MOST INSURANCE COMPANIES CLASSIFY VEHICLE USE INTO ONE OF THREE CATEGORIES - COMMUTING TO WORK OR TRANSIT, COMMERCIAL USE OR PLEASURE AND ERRANDS ONLY. While these categories accurately describe the driving behaviour for most people, some drivers who use their vehicle...

Tips for Driving in the US

If you plan on driving in the United States, whether in a rental car or your own vehicle, there are certain measures you can take to ensure the trip is safe and enjoyable. An obvious one perhaps – make sure your passport’s valid (and you have it with you!). When...

It’s Summer Party Time

TIPS TO CONSIDER TO MAKE EACH EVENT SAGE AND ENJOYABLE FOR ALL It’s that time of year again when everyone is planning for the warm weather, getting the barbeque out of storage and cleaning up the yard - all in preparation for fun-filled summer entertaining with family...

Vacation Precaution

So your bags are packed and you’re ready to go. But are you? Vacations are a great way to relieve stress and get away for a while, but a call to your broker will ensure your trip goes smoothly and you don’t return home to unwanted surprises.Step 1 – make sure your...