Homeowners Insurance

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 →

April showers bring May flowers…and flooded basements, too

April showers bring May flowers…and flooded basements, too

When it comes to preventing flooding in your home, sump pumps are among the most valuable tools at your disposal, especially during heavy rainfalls or snowmelt season. Learn how sump pumps work and how you can keep yours flowing smoothly all year long. What is a sump pump? A sump pump is a device that picks up water from your basement (specifically from the sump pit, a hole in the lowest part of the basement floor, where runoff from your home’s weeping tile collects) and pumps it safely away from your home’s foundation. Sump pumps are especially helpful in rural areas and regions prone to flooding, where rainwater and melting snow can’t easily drain into a municipal sewer system. How do sump pumps work? Once the water in your sump pit rises to a certain level, it raises a floating…read more →

Shopping For A New Home? Look Out For These 6 Things That Could Impact Your Insurance

Shopping For A New Home? Look Out For These 6 Things That Could Impact Your Insurance

Whether you’re a first-time homebuyer or you’ve done this all before, there’s a lot to think about when you’re hunting for a new home — and you probably have hundreds of questions bouncing around in your head… Is it in a safe, friendly neighbourhood? Does it have a secure backyard where my dogs can run free? And how far away is the nearest grocery store? But have you thought about how different parts of the house itself could impact the cost of your home insurance, and even your eligibility for coverage? While you’re picturing life in a new home, don’t forget to ask some important questions about the house: When was it built? New homes are built based on current standards and bylaws, meaning they should cost less to repair or rebuild than older homes that need to be updated after damage occurs — and…read more →

Reduce the Risk of Injuries From Garage Doors

With the weather cooling down, more and more people will be parking their vehicles in garages. While they are convenient structures, garages can be dangerous, especially for children. In fact, most garage door injuries and fatalities happen when children find access to garage door opening devices and are trapped under a door that doesn’t automatically reverse. Of all garage door related injuries in Canada, 59 per cent involved fingers or hands that were either caught or cut, and 23.5 per cent of injuries involved a garage door coming down onto someone. Consider the following safety tips to protect you and your family from garage door injuries: Test your door monthly, using a roll of paper towels. (Do not use a hard object like wood—with a hard object, there is no way of knowing whether a door would reverse without causing…read more →

Home Maintenance Tips for Fall

Performing a handful of annual fall maintenance tasks can ensure your home is safe and ready for the colder months ahead. Insulate water pipes in areas exposed to cold temperatures. Check the roof to ensure that it can withstand the wear and tear of winter and that it won’t collapse under the weight of wet leaves, ice and snow. Clean gutters and downspouts to keep debris from accumulating. Clean and/or replace the furnace filter. Check and repair caulking around doors and windows that show signs of deterioration to prevent heat from escaping. Have the chimney inspected for deterioration that could make it unsafe for use.

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