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Watercraft Insurance

Watercraft Insurance

As winter draws to a close and we put our skis and snowmobiles away for another season, our thoughts turn to summer fun and in between, we use spring to start making plans for the beach or the cottage and fun in the water.  Boat shows abound for those looking to buy their first watercraft or upgrade.  Ads start to appear online or in the paper for used watercraft being offered for sale.  Craft that have been stored for the winter are being readied for their return to the water.  Anglers, sailors, water skiers and swimmers are looking forward to getting back to the water. Whether you are new to watercraft or a seasoned sailor, one of the most important things to remember is insurance for you and your vessel.  Why, you may ask?  No matter how much experience or…read more →

Live Well, Work Well – February 2020

Live Well, Work Well – February 2020

February Is National Heart Awareness Month Heart disease is the second-leading cause of death in Canada, with 1 in 12 Canadians ages 20 and older living with diagnosed heart disease. Despite its prevalence, many people still don’t fully understand what heart disease is, how to identify the signs or how to reduce their risk. To increase awareness of heart disease and how to prevent it, the Canadian government recognizes February as Heart Month. Definition of Heart Disease Heart disease can refer to any condition from which the heart does not work properly. This can include heart defects that are present from birth, as well as those that develop later on by biological or lifestyle risk factors. Heart disease can lead to a heart attack, heart failure and death. There are many different types of heart disease, including: Coronary artery disease—Arteries…read more →

Ontario Auto Insurance Customized

To help stabilize rates, the Ontario government has implemented changes to auto insurance. Several measures are aimed at reducing fraud and abuse of the system, which increase premiums.As your lifestyle changes, so do your coverage needs. Regular reviews of your policy will ensure you have the coverage best suited to your lifestyle. LIFESTYLE QUESTIONS * Are there people in your life who depend on you financially or for care (children, elderly or disabled)? Consider extending your Caregiver Benefit and/or adding a Dependant Care Benefit. * Do you make more than $30,000/year? Consider increasing your Income Replacement Benefit to $600, $800 or $1,000. * Does your employer provide a Group Insurance Plan? Talk to your administrator to find out what you’re covered for and consider increasing your Medical Rehabilitation Benefit. Most benefit packages are limited to $500 a year per practitioner, and OHIP doesn’t cover…read more →

Condominium Insurance

  If you own a condominium or co-op, you have both common and personal insurance needs. We have the coverage solutions to help meet your unique homeowner needs. CONTACT US TODAY: Tel: 800-661-1518 What Protection Does it Offer? A condominium/co-op insurance policy is designed specifically to meet your unique homeowner needs, including coverage for your personal possessions, structural improvements made to your living space and additional living expenses incurred due to an accident. When selecting condo/co-op coverage, it’s important to determine what is covered by your association’s master policy and what items are your responsibilities. Typically, your condo/co-op association carries an insurance policy for common areas, such as the lobby, walkways, boiler, basement, etc. Property Protection A personal condominium/co-op policy will help to safe guard you from losses to your personal property and the interior of your unit. As such,…read more →

Prevent Water Damage Before It’s Too Late

Did you know that the cause of one of the most common homeowners insurance claims is completely preventable? No … it’s not fires or theft; it’s water damage. This is not damage due to flooding, heavy rain storms or snow on the roof—rather, it’s due to simple maintenance tasks that are often ignored or go unnoticed. Water Damage Prevention How does water damage occur? It’s simple: homeowners fail to check the connection between the water line and their washing machine or other similar appliances. Eventually, the connection fails, and water leaks into the home until someone discovers the mess. If this occurs while you are gone for the day at work or out of town, the damage could be extensive and expensive to fix. Sources of leaks include: Dishwasher hoses Automatic ice-maker lines Hot water heaters Washing machine hoses Hot…read more →

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