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Fall is House Fire Season

Fall is here.  Your heater has probably been off all summer.  Did you know that heating is the second leading cause of house fires?  That’s right, 14 percent of all residential building fires responded to by fire departments are caused by trying to heat a home.  Cooking fires are the number one cause of residential fires. Annually, an estimated average over 50,000 residential fires caused by heating occurred between 2008 to 2010.  This translates into and annual average of $326 million in property loss, 575 injuries and 150 deaths, according to government figures. A “heating fire” is a term used to describe fires that are caused by central, portable or fixed heating units, fireplaces, chimneys, heating stoves and even water heaters. To reduce the risk of fire the Dan Lawrie Insurance Brokers in Hamilton Ontario offers the following advice: Maintain heating equipment and chimneys by…read more →

Tips on How to Keep Your Insurance Rates Down

Everyone knows that many factors are involved in determining what you pay for your auto insurance. Factors such as where you live and what you drive, your age, sex and marital status are just a few.  One of the biggest factors, however, is your driving record.  Having a bad, or even less than perfect driving record will make you a higher risk to the insurance companies and therefore you will pay hundreds more than the a person of the same age, sex, vehicle and marital status, living in the same area, with a better driving record.   Among the citations to have the highest impact on premiums is reckless driving.  Reckless driving as defined by Nolo’s Plain-English Law Dictionary is, “Operating an automobile in a dangerous manner under the circumstances, including speeding (or going too fast for the conditions, even if within the posted speed limit)…read more →

What Is Term Life Insurance?

Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your beneficiaries the face value of your policy. Term insurance differs from the permanent forms of life insurance, such as whole life, universal life, and variable universal life, which generally offer lifetime protection as long as premiums are kept current. Also, unlike other types of life insurance, term insurance does not accumulate cash value. All the premiums paid are used to cover the cost of insurance protection, and you don’t receive a refund at the end of the policy period. The policy simply expires. Term life insurance is often less expensive than permanent insurance, especially when you are younger. It may be appropriate if you want insurance only for…read more →

Do You Need Commercial Insurance?

Are Your Business Insurance Rates Too High? Do you really know what you are covered for? Ranked in the top 5% of Insurance Brokerages in Canada, Dan Lawrie Insurance Brokers located in Hamilton, Ontario has access to over 60 outstanding Canadian and International insurance companies!  What that means to you, is that with one single phone call to us, you have access to the top insurance companies competing for your business to ultimately give you the lowest price and the best possible coverage. As specialists in serving the Automotive Industry, we know what it takes to design a comprehensive, cost-effective insurance program that will provide you with the most for your insurance dollar! You’ll be sure to appreciate the value of working with us making a direct comparison of coverage, service expertise and price. Automotive Industry Our Coverage includes: Service Stations Dealerships…read more →

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