Personal Insurance

10 simple ways to save energy and lower your heating bills this winter

10 simple ways to save energy and lower your heating bills this winter

10 simple ways to save energy and lower your heating bills this winter Heating your home or cottage during a cold Canadian winter can cost a pretty penny — and it can take a hefty toll on our environment, too. Save energy and your hard-earned cash by keeping these simple tips in mind this season: Weatherproof your windows. This might be old news if you’ve already prepared your home for winter, but it’s worth a reminder: Inspect your windows each year and patch any cracks or holes with fresh caulking. For even more protection from the cool air, consider sealing your windows with a thin layer of plastic and waterproof tape. Even one or two neglected windows could be making your furnace work harder than it needs to — and you might be surprised just how much you could save by doing away with…read more →

Sending your teen off to school? Don’t skip these 7 steps

Sending your teen off to school? Don’t skip these 7 steps

Sending your teen off to school? Don’t skip these 7 steps Moving away to college or university will likely be the longest stretch of time your teen has ever spent away from home, and taking a little time to prepare can help make the transition go as smoothly as possible. In your final few weeks of back-to-school shopping, packing, and enjoying what’s left of the summer holidays, take these 7 steps to prepare your teen for dorm life: Teach some laundry lessons. If you don’t happen to have a kid who loves doing his own laundry, plan to teach him how to sort colours, follow washing directions, and run the washer and dryer before he moves away to school. Remember to pack stain remover, detergent, and a roll of coins for the machines in his dorm. Don’t let the bed bugs bite. Bed bugs…read more →

How To Protect Your Home Before You Leave On Vacation

How To Protect Your Home Before You Leave On Vacation

Protect Your Home Before You Leave On Vacation Getting away this Summer? When you leave your house for a long period of time you are leaving it vulnerable to theft, accidents, or damage. To best prepare your house for your vacation, consider these home safety tips before departing. A few minutes can go a long way in preventing any unexpected occurrence or possible insurance claims: House Sitter: Ask a trusted friend, relative or neighbour to keep a watchful eye on your home while you’re away. It is very important that your house is checked for insurance reasons especially if you are away for more than 2 weeks in a row. Mail Deliveries: Cancelling regular deliveries, like putting a temporary hold on newspaper deliveries, will reduce the amount of attention your house receives while you are gone. Canada Post offers a…read more →

A step-by-step guide to opening your cottage for the summer

A step-by-step guide to opening your cottage for the summer

A step-by-step guide to opening your cottage for the summer If you have a cottage, it’s about time to open it up and prepare for another summer of beach days and campfire nights. Check these 10 steps off your to-do list as you get ready for cottage season. Arrange to have your utilities turned back on or inspected. If any of your utilities, like water or gas, need to be turned on by professionals, remember to make arrangements well ahead of time so your cottage is ready when you plan to settle in for the season. You should also have your septic system inspected by a professional if it’s due for a check-up. Make sure your seasonal property insurance policy is up to date. Whether you’re adding some new toys to your property (like a boat or ATV, example) or planning on renting out…read more →

Why You Need Overland Water Coverage for Your Home

Why You Need Overland Water Coverage for Your Home

Why You Need Overland Water Coverage for Your Home Floods are the second most common natural disaster in Canada, occurring five times as often as wildfires. Just a few centimetres of water from flooding can cause costly, irreversible damage to your home. When it comes to protecting homes from floods, most property owners assume their home insurance policies will provide adequate coverage. This is often not the case, making dedicated protection in the form of overland flood insurance a must. What is Overland Flooding? Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams….read more →

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