Homeowners Insurance

Did You Know That A Burglar Alarm Will Lower Your Insurance Premiums!

Homeowners insurance  in Hamilton, Ontario,  is a necessity when it comes to buying a house. In fact, most mortgage companies will not finance a real estate transaction unless you provide proof that you have the proper coverage for most if not all of the property you intend to purchase. Over the next few weeks, Dan Lawrie Insurance Brokers would like to give you a few tips when it comes to purchasing homeowners insurance as well as some cost saving ideas that can actually help reduce your insurance costs. This week we will be taking a look into the world of security systems and how they can affect your homeowner’s insurance policy. One of the most effective ways to detour intruders is to obtain and install a home security system.  Typically the alarms systems are monitored 24/7 by either the alarm company itself…read more →

Ontario Appeal Court Issues Ruling On Landlord’s Responsibility For Insurance In Oil Spill

Taken from: Canadian Underwriter.ca “The Ontario Court of Appeal recently ruled that a landlord can proceed with a lawsuit against a tenant relating to damages arising from the escape of oil from an above ground storage tank, on the grounds that there was no clear indication of an agreement on the part of the property owner to insure against a loss alleged to have been caused by negligence on the part of the tenant. Four years ago, Michael Cain, who owns land in North Gower, Ont., southwest of Ottawa, filed a statement of claim against several parties, including 1150320 Ontario Inc., which carries on business as The Antique Shoppe. The allegations against The Antique Shoppe include claims of both contract and negligence. The claims have not been proven in court. According to court records, an oil spill occurred on Cain’s…read more →

It’s beginning to a look a lot like… 2013!

As we are coming to a closing of 2012, with the New Year around the corner we are all thinking of a ” New Year’s Resolution.” It’s time to decide on your New Year’s Resolution! Your thoughts about insurance and the way you see it fitting into your life might be good candidates for change as well. Adequate insurance coverage in all aspects of your life is vital, and you can get that through understanding your current coverage and getting more where needed. Protecting yourself and your family is important, so take the steps that are necessary to protect them by making sure that things are taken care of in case of emergencies. Things like increases in your income, increases in your expenses, new purchases, moving, or a new baby can all affect your lifestyle and your needs for all…read more →

Make Sure You Are Protected This Holiday Season

Taken From: National Fire Protection Association Written By: John Hall “The winter holiday season should be a joyous time of year. However, certain types of fires and injuries associated with holiday decorating are much more common during this season. Christmas tree fires In 2006-2010, fire departments responded to an estimated annual average of 230 home structure fires that began with Christmas trees.  Home Christmas tree fires caused an average of four civilian deaths, 21 civilian injuries, and $17.3 million in direct property damage per year. Although these fires are not common, when they do occur, they are unusually likely to be serious. On average, one of every 66 reported home structure Christmas tree fires resulted in a death compared to an average of one death per 144 total reported home structure fires. Nearly half of the home Christmas tree structure…read more →

Liability For Environmental Cleanup Costs in Ontario

The article and image Below was taken from the Canadian Underwriter “Property owners may be asking their insurers to increase the limits on insurance policies covering environmental cleanup costs in the wake of some recent rulings in Ontario, one lawyer says. Rosalind Cooper, a partner with Fasken Martineau, delivered a presentation Nov. 7 on liability for environmental cleanup and focused on some recent cases heard by Ontario’s Environmental Review Tribunal, which hears appeals of orders issued by the province’s Ministry of Environment. In the past, Cooper said, when clients approached her expressing concern they could be held liable for hazardous waste spills that they did not cause, she would tell them the Ontario Ministry of Environment was only concerned about whether a person or corporation who had been slapped with an order was somehow connected to the property. ”Then I would say, ‘But…read more →

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