Homeowners Insurance

Homeowner’s Insurance and Safe Party Hosting

Thinking about hosting a party at your house? Check the details first in your home insurance policy, especially if alcohol will be served. Social Host Liability, a set of laws that describe the responsibility a host has for alcoholic drinks and their guests’ safety, is taken very seriously in Canada and could negatively impact you if you are proved negligent. Fortunately, a little foresight and research about these laws can help homeowners be prepared and prevent these disasters from happening. How to Host a Safe Party at Home for Your Guests Planning the party at a restaurant or public venue can avoid the issue altogether. If that’s not an option, consider hiring a professional bartender who’s trained to serve drinks responsibly. Appointing a designated driver who won’t consume drinks is a smart choice to ensure the safety of your guests. When they arrive, keep their keys…read more →

3 Steps to Secure Your Home While You’re on Vacation

Before heading out to enjoy your vacation, it’s important to take precautions in safeguarding your home. Doing so prevents unwanted home insurance claims and protects your family, investment, and peace of mind. These three safety tips ensure a pleasant experience while you’re away – and when you return home. 1. Practice good home security habits. If you haven’t done so, now is the time to instill good security habits. Lock up all doors and windows, and invest in a good alarm system. Doing so can promote a discount on your home insurance premium. Be discreet about your vacation plans in public and on the internet to prevent the information from going to wrong individuals. Turn off and unplug all devices and secure jewelry, computers, and private documents in a safe place out of sight. 2. Make your home look occupied. A house…read more →

3 Types of Weird Accidents Your Home Insurance May Cover

Strange things happen in life sometimes, including the accidents that occur at your home.  But did you know that even the weirdest situations can be covered by home insurance? These three weird but true accident scenarios are likely covered by your basic policy. Scenario #1 – Lightning Strikes On average, over two and a quarter million lightning strikes hit Canada each year. Can one of these strikes impact your house? There is a chance. The good news is, home insurance usually covers lightning strikes and surges. For example, a lightning bolt traveled through three cars and blew the aluminum gutters off a policyholder’s house in the U.S., but his home and auto insurance covered over $7,000 of the damage. Scenario #2 – Wild Animals Damage Your House Though no one expects to find a guest from Mother Nature in their home, such…read more →

Homeowner’s Insurance – What to Know before You Buy

Whether you’re a first-time home buyer or a house-hunting expert, homeowner’s insurance isn’t exactly the first thing that comes to mind on closing day. The right homeowner’s policy, however, can play a crucial role in protecting your most valuable investment, and it’s important to know the specifics entailed. Read more to discover how these key factors can help you be informed when making purchasing decisions for home insurance.  Find out your house’s exact value.  Presenting the exact value of your home to your insurance agent will help determine accurate premium costs and policy coverage amounts. To find out what the exact value of your home is, request an appraiser or builder’s services to obtain a fair value. Gain insight into how much coverage you need to buy. As it is with your home, it’s equally important to capture the value of your belongings…read more →

How Mold Affects Your Ontario Home Insurance

Does your house have a mold problem? Mold can affect your health, and it affects your Ontario home insurance policy and rates, too. Learn more as you maintain your home insurance coverage at an affordable price.  Which Molds are Bad? On any given day, you could find one or more of five common molds in your home. They are Stachybotrys, Cladosporium, Penicilium, Fusarium and Aspergillus. While Aspergillums is the least toxic, Stachybotrys is the most toxic. It’s been linked to hay fever, pulmonary edema, liver damage, brain damage and death, especially in people with compromised immune systems, infants and the elderly. How do I Know if my House Has Mold? Because it’s potentially deadly, you need to know if your house has mold. Do a visual inspection and look for black, gray, brown or blue anywhere there’s moisture or wetness,…read more →

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