Renters Insurance

Understanding Renters Insurance

Understanding Renters Insurance

Just because your landlord has coverage doesn’t mean that you do, too. In most cases, your landlord’s insurance policy will only cover structural damage to the building itself. If your apartment were to go up in flames, your landlord’s policy would not reimburse you for your lost possessions. Speak to us today about what’s included in your renters insurance policy! Property protection Renters insurance protects your possessions in case of a covered loss from fire, smoke, lightning, vandalism and theft. It also extends beyond theft or other hazards that occur in your unit, covering property that is stolen from your car, or is lost or damaged anywhere you happen to be. Coverage options There are two personal property coverage options to choose from: replacement cost value or actual cash value. Here’s an example to illustrate the difference: The furniture you…read more →

Busting The Top 5 Myths About Condo Insurance

Busting The Top 5 Myths About Condo Insurance

So, you’re finally ready to buy that condo you’ve been dreaming about — and it’s time to shop for a condo insurance policy. Before you take the plunge, let us make it a little easier by breaking down five of the most common myths about condo insurance. 1. “My condo corporation already has insurance, so I don’t need to buy my own coverage.” Unfortunately, your condo corporation’s master policy probably isn’t designed to protect you, your belongings, or improvements you’ve made to your unit — it likely only covers damage to the building and items in common areas, like the lobby, rooftop patio, or gym. Each unit owner should have their own condo insurance policy to protect what’s inside their own unit. 2. “Condo insurance will only protect my stuff, so I don’t need it.” Condo insurance protects so much more than…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.

5 Fall Maintenance Tips You Shouldn’t Ignore

We hate to be the bearers of bad news, but just because life is wonderful doesn’t mean you won’t encounter disaster at any moment. While there’s no sense living your life in fear, you can do a lot to protect yourself against danger. Here are some of our best fall maintenance tips, so don’t ignore them! Get Emergency Supplies Ready Emergencies can strike at any time, but the brutal storms that sometimes sweep in come late fall and winter are especially bad. Keep emergency supplies on hand at home, in the trunk of your car and in your office. No matter where you are, you should have a plan for getting home safely to your family. Keep Auto Insurance Current Not only is auto insurance required by the law, it’s just plain smart. Having insurance protects you in the event…read more →

How FireSmart is Your Home? The ICLR Releases New Study Results.

Recently this month, the Institute for Catastrophic Loss Reduction (ICLR) published a research paper that focused on the fire risk of reconstructed Canadian homes following a fire disaster. In the study, 445 homes at two key post-fire sites were rated and compared for fire hazards based on official FireSmart Canada guidelines. FireSmart is a wildfire risk awareness program established by Partners in Protection, a multidisciplinary nonprofit association dedicated to wildfire safety and protection in Canada. FireSmart works by facilitating networks of homeowners, fire departments, industry companies, and government officials through partnerships to reduce the threat of wildfire in their communities. Seven foundational disciplines are at the heart of FireSmart, which are Education, Vegetation Management, Legislation and Planning, Development Considerations, Interagency Cooperation, Emergency Planning, and Cross Training. It is through these key disciplines that FireSmart strives to promote wildfire safety and awareness…read more →

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