Homeowners Insurance

5 Common Home Insurance Endorsements to Add to your Policy for Extra Coverage

5 Common Home Insurance Endorsements to Add to your Policy for Extra Coverage

Home insurance is designed to protect you and your family when you need it most — but all policies have limits and exclusions, and you may want to add extra coverage to make sure you’ll always be protected. In the insurance world, an “endorsement” is a change to the coverage outlined in your insurance policy. It can add or remove coverage, and it overrules any wording in the policy itself. A “rider” (also known as a floater) is an endorsement that adds coverage for something that was previously excluded from your policy or increases the limit for one of your existing coverages. Here are five common endorsements you could consider purchasing to extend the protection offered by your home or tenant insurance policy. Specific coverages vary by location and by insurer, so be sure to talk to your group’s licensed…read more →

Your Home Insurance Renewal Checklist

Your Home Insurance Renewal Checklist

When your home insurance renewal notice comes in the mail, do you file it away and let your coverage remain the same, year after year? You’re not alone. But it’s unlikely that you’re in the same position today as you were when you first bought your policy — and that renewal notice is a great reminder to think about how your needs may have changed, whether or not your existing coverage is still enough, and new ways you could be saving money on your insurance. When you receive your next renewal notice, consider these five factors before just filing it away. 1. Don’t miss out on discounts. Did you know you could qualify for discounts on home insurance if you’ve recently paid off your mortgage or installed a home security system, a monitored smoke detector, a sump pump, a backwater valve, or a new…read more →

Personal Lines Perspectives: How To Protect Against Underground Service Line Failures

Personal Lines Perspectives: How To Protect Against Underground Service Line Failures

Most homeowners are not aware that they are responsible for repairs to underground pipes and wiring that bring services such as water, gas, power, data and communications into their homes. Dan Lawrie Insurance Brokers provides options that extend coverage to the service lines coming to the house as an enhancement to homeowner property policies. Homeowners are Responsible for Service Line Repairs As a homeowner, you are responsible for repairs to underground pipes and wiring that bring services such as water, gas, power, data and communications into your home, if the damage occurs on your property, or off your premises, and you are legally responsible for it. The cost to repair or replace these lines is not covered by a typical homeowners insurance policy. But there is a type of insurance that covers such losses: Service Line coverage. Example of a Service…read more →

Busting The Top 5 Myths About Condo Insurance

Busting The Top 5 Myths About Condo Insurance

So, you’re finally ready to buy that condo you’ve been dreaming about — and it’s time to shop for a condo insurance policy. Before you take the plunge, let us make it a little easier by breaking down five of the most common myths about condo insurance. 1. “My condo corporation already has insurance, so I don’t need to buy my own coverage.” Unfortunately, your condo corporation’s master policy probably isn’t designed to protect you, your belongings, or improvements you’ve made to your unit — it likely only covers damage to the building and items in common areas, like the lobby, rooftop patio, or gym. Each unit owner should have their own condo insurance policy to protect what’s inside their own unit. 2. “Condo insurance will only protect my stuff, so I don’t need it.” Condo insurance protects so much more than…read more →

Protecting Your Home While You Are Away

Protecting Your Home While You Are Away

HOME PROTECTION TIPS Unfortunately, no one is completely immune from theft. Whether you’re looking to protect your home while you are away on vacation or simply away at work, your first line of defence is to thwart burglars. Use these suggestions to help protect your home while you are away: Install motion sensor lighting around your home and garage. Place automatic timers on your lights and set them for different times for different rooms. Do not leave your valuables such as jewellery, art work or electronics sitting out in plain view. Hide these items in inconspicuous places such as old laundry detergent boxes. Place “Beware of Dog” and home alarm signs in your yard. Even if you do not have a dog or an alarm, this may deter potential thieves from trying to enter. Alert friends and neighbours when you…read more →

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