I’ve always been a staunch believer in travel insurance. When I first started travelling with friends, I was surprised that most of them didn’t buy travel insurance! Those that did often relied on credit card insurance coverage. However, I’ve since learned that not all policies are created equal, so if you’re relying on credit card or group plan travel insurance coverage, you may want to reconsider (...)
Your home insurance policy is there to protect you when you need it most — but you may find yourself wondering what could happen to your premium after you make a claim. As your HMS insurance broker we will provide helpful insight on how your claim will impact your policy, and provide the right course of action to get your home back in the same position it was before. There are a few things to consider before a claim is submitted (...)
Your home is your sanctuary, and the place where you should feel the safest. That’s why house fires can have such an emotional impact. They put the health and safety of the people you love at risk, and can destroy a lifetime of memories in mere moments. Preventing fires is easier than you might think, and taking simple precautions can safeguard you and your family. Check out these 7 easy tips to get started (...)
They say the best way to predict the future is to create it. When it comes to home insurance claims, there is a lot that you can do to stop damage from happening in the first place. Although it may not be possible to avoid damage in every situation, you can certainly play a big role in keeping it to a minimum. Let’s walk through some tips to help you steer clear of costly and inconvenient insurance claims (...)
"Be sure to use a strong password" is advice that we are constantly being given when trying to create online accounts. It's also not uncommon to see a password meter ranking your passwords strength. That's because many computer users are continually choosing weak passwords like "123456" or "password" ranking top on the list year after year. With the rising threat of cyber crime, information leaks and data breaches, a strong password is your first line of defense (...)
Your wedding is a huge investment – not only financially, but emotionally. No doubt you’ve spent a great deal of time and money planning your day. Wouldn’t you be devastated if something went wrong and your wedding was not able to happen as planned? From a sudden cancellation to stolen gifts to a damaged gown. What better way to protect yourselves financially than to insure your wedding? But what exactly is wedding insurance - and how does it work?
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 (...)
Autumn is quickly approaching, and with it the temperatures start to drop. Although temperatures during the day are quite comfortable still, nights are starting to get rather cold. In order to save money, many people opt to use a space heater to heat one room rather than heat the entire structure. Regardless of your plan, it is important to be cautious (...)
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.