Personal Insurance

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 →

Who needs Personal Umbrella Liability Insurance?

Who needs Personal Umbrella Liability Insurance?

Who needs Personal Umbrella Liability Insurance? You do. Accidents happen and we all need to be prepared. The standard liability limits on insurance policies range between $1,000,000 and $2,000,000, but is that enough if you are sued? Personal Umbrella Liability insurance increases the liability limits for all of your underlying personal insurance and works to protect against events that could impact a substantial portion of your future earnings and assets. Legal awards and expenses can escalate quickly and what appears to be a minor incident could develop into a major lawsuit. A Personal Umbrella policy not only pays the court awarded amount up to the limit of coverage purchased, but covers the legal costs in addition to those awards. Personal Umbrella insurance also provides additional coverage that is typically not included on other personal insurance policies, such as coverage for…read more →

Simple Ways To Prevent Identity Theft

Simple Ways To Prevent Identity Theft

“Identity theft” is just what it sounds like; it’s the process of stealing someone else’s personal information (or their identity) for financial gain. From drained bank accounts to poor credit ratings and even legal issues, identity theft can have some serious implications. Outsmart fraudsters by understanding the kinds of information they’re looking for and some simple steps you can take to prevent identity theft. Identity thieves are looking for as much personal information as they can find, but according to the RCMP , they’re especially interested in your: full name date of birth Social Insurance Number (SIN) full address mother’s maiden name online usernames and passwords driver’s licence number personal identification numbers (PINs) credit card information bank account numbers signature passport number     To protect your private information and prevent identity theft, keep these tips in mind: Keep track…read more →

Personal Insurance Newsletter | November 2018

Personal Insurance Newsletter | November 2018

Save on your car insurance this winter It’s no secret that getting from point A to point B in the middle of a Canadian blizzard can be tough. Thankfully, there’s one simple step you can take towards a smoother, safer — and even cheaper — winter drive: installing a set of quality winter tires. All Ontario car insurance companies are required to offer a winter tire discount – usually about five per cent. Why use winter tires? As the temperature drops, all-season and summer tires can stiffen and start losing their elasticity, which can lead to decreased traction and poor performance. The rubber used in winter tires, on the other hand, is designed to stay flexible even in extremely chilly weather, so you’ll get a better grip on that slippery side street. Are winter tires good for driving on ice…read more →

Personal Insurance Newsletter | September 2018

Personal Insurance Newsletter | September 2018

Home Maintenance Tips for Fall Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead: Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed. Insulate water pipes in areas exposed to cold temperatures. Check for damaged or loose shingles to ensure your roof can withstand the wear and tear of winter and that it won’t collapse under the weight of wet leaves, ice and snow. Drain garden hoses before putting them away for the winter. Water left in hoses can freeze, causing irreversible damage. Clean gutters and downspouts to keep debris from accumulating. Check and repair…read more →

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