Energy costs in Ontario are rising, that should come of no surprise, so we need to utilize our energy consumption more effectively. A good place to start is sealing cracks and drafts around your doors and windows to make your home more energy efficient. But have you considered the financial impact of heat loss through your ceilings? While drafts around doors and windows will cost a few more dollars in heating bills, heat loss through your roof (...)
Category: Claims
Going away? Shut off your water valve
Water leaks that arise while you are away will increase your water bill significantly, and could also cause massive damage. Turning off the water at the main shut-off water valve is the best way to protect your home from such leaks and large bills, as most insurance companies won't cover your home for water losses if you are not home for more than 4 days. See our other post on that.
The Issues With Insuring Older Homes
If you own or are considering purchasing a home that's more than 30 years old, there may be some unexpected insurance requirements to consider. Updates to the plumbing, electrical, roof, and heating systems are the most common, and failure to meet the insurance companies requirements could result in you not getting a renewal or a new policy (...)
Professional Liability – What Is It, And When Do You Need It?
Every occupation comes with its own inherit risks, but any time professional advice is provided to the public that could result in emotional, mental, financial, or physical anguish, there should be a higher duty of care and the correct insurance policies in place. Professional occupations such as lawyers, accountants, healthcare providers, engineers, and even insurance brokers (...)
Uber Insurance Solutions From Aviva
As of January 6, 2016 Aviva Canada Inc. has announced that they are working on an insurance solution for UberX drivers, or for any other drivers that use their personal vehicles to transport paying passengers. This coverage is set to be available early February, as an endorsement placed on your current Aviva policy (...)
Why You Shouldn’t Travel Without Travel Insurance
If you are considering traveling this holiday season or are planning on escaping the cold this winter (I'm sure it'll get cold soon enough), you might want to consider the benefits of travel insurance as part of your pre-planning. Travel insurance policies can be bought to include multiple trips in one year, or just a single vacation (...)
Heading South For the Winter? Protect Your Home
It's approaching that time of the year again that everyone enjoys - winter. Most of you will be toughing it out in the frigid temperatures, shoveling your long driveways, or cruising down the road in total blindness at 30km/h. While some of the more fortunate will be booking tropical vacations for weeks at a time, or maybe even the entire winter (...)
Uber Insurance Risks, Are You Properly Covered For Ridesharing?
If you aren’t living in a major city perhaps you aren’t aware of Uber, or maybe you’ve heard the name but never really understood what they did. Basically, Uber is an app-based ridesharing service, which means they operate through a smart phone application or web browser. This application allows riders and drivers to connect (...)
Home Insurance Exclusions
Every insurance company has their own set of exclusions that could limit your coverage or completely void your policy. Having your policy voided or limited is something that a lot of people fear could happen to them. If you forget to disclose a certain detail, you incorrectly filled out the insurance application, or maybe you're worried about coverage while you're away from home (...)