Home Insurance

As a tenant, you don’t own your property but you’re still liable for anything that happens at and to the property and others residing or visiting there. There are two main types of insurance coverage for tenants to consider: contents insurance and liability loss. What would it cost to replace everything of value in your […]

Your home is meant to provide shelter from the elements-keeping you cool when it’s hot, warm when it’s cold, and dry when it’s raining. Weather can still creep in and do serious damage to one of our most important assets. Don’t assume your home insurance policy covers everything that Mother Nature can toss out. There […]

Your vacation property is your second home or your home away from home, so you need to protect it as you would your primary residence. Many insurance policies, however, treat vacation properties differently, so don’t assume that you’ll automatically get the same coverage for your cottage as your home. If rent your vacation property you […]

WHAT TO DO WHEN YOUR HOME IS UNOCCUPIED Your insurer considers an unoccupied dwelling riskier than an occupied one. Depending on how long you are away from your home, you need to make arrangements to ensure your dwelling is checked regularly, especially through the heating season. In some circumstances, you may need to inform your […]

A home inventory of what you own can make an insurance claim for damage or loss faster and easier. But many of us don’t worry much about what we have until it’s gone. Preparing a home inventory does require a bit of work up front but it will save you painstaking effort later should you […]

More and more people are starting home-based businesses for everything from marketing homemade products to keeping a home office for a consulting business. From an insurer’s perspective, this adds new types of risk to your home and, therefore, may require additional insurance. Residential policies provide limited coverage on business property Anything you use to carry […]

Make sure you purchase an insurance policy that reflects the unique qualities of your home, its contents and the people who live there. Your home should be insured from the moment you take legal ownership – even if it is under construction. Our expertise is particularly useful at this stage when you really need to […]