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Home Insurance

Preventing Theft and Fire

Tips on How to Reduce Your Home Insurance Premium

Your home insurance premium is based on how likely it is that you, or a group of people with a similar set of circumstances, will experience property loss or damage and how much the resulting claim will cost. While some of the factors that impact your premium – for example, your home’s distance from a fire station – may be beyond your control, others aren’t.

Preventing Theft and Fire

Preventing Theft and Fire

You can take steps to help protect your home. This brochure provides helpful information to help prevent fire and theft.

Before You Renovate

Are you a Landlord?

Renting out your basement? Taking in boarders? If yes, you’re a landlord. Even if you’re having a friend move in with you temporarily, you should inform your insurance representative in writing before altering your living arrangements, to ensure you have the right coverage.

Before You Renovate

What to Do After Disaster Strikes

Imagine that disaster has struck your home or place of business. You have no water, no electricity, no gas and no phone service. The roads in your neighbourhood are impassable and help won’t arrive for days. What do you do? This guide can help provide answers on how to respond.

Before You Renovate

Earthquake - Be prepared, not scared.

Earthquake insurance generally covers loss or damage caused to your property and its contents by the actual shaking of the earth. Coverage for earthquake damage is not included in a standard home insurance policy but can be purchased as an add-on to your existing policy. Earthquake insurance is subject to a higher deductible.

Before You Renovate

Before You Renovate

Thinking of renovating?

Whether it’s a major project (i.e., finishing a basement) or a minor upgrade (i.e., replacing kitchen cabinets), renovations aff ect the value of your home so it’s important to make sure you have the insurance protection you need.

Flooded? Here’s What You Need to Know

Flooded? Here’s What You Need to Know

Many Canadians think they’re insured against all types of water damage. The truth of the matter is that home insurance in Canada does NOT cover storm surges and overland flooding (overflowing rivers or lakes). This brochure outlines water damage that is and isn’t typically covered by home insurance.

Personal Property Inventory

Personal Property Inventory

Do you know how much your possessions are worth?

Wildfire Safety: What You Need To Know

Wildfire Safety: What You Need To Know

Wildfires are a real and present danger, especially if you live in a grasslands region or a heavily forested area. However, you can take measures to protect your family, your home or your business. Let’s look at these measures step by step.

Getting Ready for Tornadoes

Getting Ready for Tornadoes

In Canada, tornado season typically runs between March and October, with activity peaking in late June or early July. Often accompanied by thunder, lightning and high winds, these dangerous storms leave a path of destruction in their wake.

Earthquake preparations for residents of British Columbia

Earthquake preparations for residents of British Columbia

Over 60% of British Columbians live in a region where some of the largest earthquakes in the world occur. Because we don’t know exactly when an earthquake will happen, it is important to PREPARE NOW!

Condominium Insurance

Condominium Insurance

As an owner, you have title to your own unit, as well as a share in common property such as the lobby, rooftop patio, swimming pool, parking garage and other amenities.

Home Insurance Q&A

Home Insurance Q&A

Question to ask your insurance representative.

All About Home Insurance

All About Home Insurance

A house is often the single largest financial investment you can make. Without insurance, your most valuable asset is vulnerable to fire, theft and other disasters.

Getting Ready: A Guide to Emergency Preparation

Getting Ready: A Guide to Emergency Preparation

Disaster, whether natural like a tornado or man-made such as a power outage, can strike at any time, in any place. While it’s impossible to stop disasters from happening, you can increase your readiness for them. This guide can help.

Heritage Properties: Insuring the Living Past

Heritage Properties: Insuring the Living Past

Heritage properties connect us to the past. Amid rapidly modernizing times, they remind us of where we come from. Owning a heritage property is a wise investment in Canada’s history and a stewardship that is recognized within the community.

Condominium Insurance in British Columbia

Condominium Insurance in British Columbia

In British Columbia, the word 'strata' is synonymous with 'condominium'. Typically, strata unit ownership is divided by the walls, ceiling and floors within the building and includes any improvements to your unit. Strata unit owners experience some of the best aspects of both home ownership and renting; you have title to your own unit, as well as a share in common property.

Oil Tank Tips

Oil Tank Tips

Oil is used for heating homes and businesses in some parts of the country, especially Atlantic Canada and Quebec. For safety’s sake, it is necessary to take some precautions to avoid an oil spill. Otherwise, serious environmental and financial consequences could result. This brochure is intended as a guide to help you avoid those consequences.

Home Insurance – Is Yours Up to Date?

Home Insurance – Is Yours Up to Date?

Protect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure.

Tenant's Insurance - Is It For You?

What Is Tenant’s Insurance?

In a word, yes! Get the details on what tenant’s insurance covers, the type of coverage you need and when you will
need it.

Insurance for Cottages, Camps and other Vacation Properties

Insurance for Cottages, Camps and other Vacation Properties

Did you know that insurance for your vacation property works a bit differently than insurance for your primary residence?

Insurance Tips for Residential Landlords

Insurance Tips for Residential Landlords

Learn the telltale signs of a marijuana grow-op, what your insurance policy covers if your rental property sustains damage, and how to protect yourself from grow-op damage and other liabilities.

Water Damage Is on the Rise – Are You Protected?

Water Damage Is on the Rise – Are You Protected?

Canada’s increasingly severe weather means that basement flooding and water damage are becoming more common. Learn how to protect your home and your property.

Putting Rain to Work

Putting Rain to Work:
A Guide for Stratford
Rain-Barrel Users (PEI)

This brochure aims to answer some common questions about the importance of the rain barrels, the basics on how to install them, and the value of emptying them regularly.

 

Understanding & Controlling Mould

Understanding & Controlling Mould

Learn what mould is and how it spreads as well as ways to keep mould from damaging your home and affecting your health.

Home Inventory:

Home Inventory:
Know your stuff

Use this home inventory worksheet to record information about your possessions in case they need to be replaced after a fire or other catastrophe.

Waves of Concern

Waves of Concern

Get the facts about storm surges, flooding and insurance in Atlantic Canada.

Tips for Participants in the microFIT Program

Tips for Participants in the microFIT Program

Thinking about participating in Ontario’s microFIT Program? Find out how to insure your renewable energy project.

Safety Calendar 2014

This calendar includes important information to help you lead a safer life and protect your property on the road, at home and at play.

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