Jun 21, 2022 Turo Peer to Peer Car Sharing

Earlier this year it was announced that Economical Insurance is providing Turo with commercial insurance in Ontario for the peer-to-peer car sharing giant.  Previously, it was underwritten by intact insurance in Ontario, but Economical has recently taken over the Commercial Policy during the reservation periods and delivery periods of Turo.   What is Turo? Turo is a peer-to-peer car rental service that gives car owners (Hosts) the ability to rent their cars out by listing them on the Turo website to pre-qualified Turo renters (Guests). It is no cost to join, and car Hosts can choose who rents their vehicle and when. What is the benefit? For car Hosts, an easy way to make a little extra cash by renting your car out to Guests…

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Jun 14, 2022 15th Annual Marsha Morton Golf Tournament in Support of Cystic Fibrosis

The 15th Annual Marsha Morton Memorial Golf Tournament will be held at Pineview Golf Course on Friday, August 19, 2022. This tournament is presented by The Kin Club of Orleans and District and Rhodes & Williams Limited in support of Cystic Fibrosis Canada. The 2020 and 2021 tournaments were cancelled due to the COVID-19 pandemic. The tournament is named in honour of Marsha Morton, a Canadian Cystic Fibrosis poster child and daughter of Ken & Karen Morton, members of the Kin Club of Orleans and District. Marsha succumbed to CF at the age of 12 in 1988. For more information on how to get involved, please visit the Kin Club of Orleans and District page. 2022 will mark the 15th time for this…

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May 25, 2022 Ontario/Quebec Storm May 2022

updated 05/30/2022 1:00 pm On Saturday, May 21st a serious storm affected much of Ontario and Quebec. This storm has been described as a “derecho”, a powerful kind of windstorm that is long-lasting and far-reaching. With widespread damage and our own power being affected at our office, our phone system was down, but as of 8:00 am May 25th, it is once again functional.  Insurance companies are also doing their best to keep up with the demand but phone lines are certainly backed up due to the number of people sustaining damage.   I am seriously affected ─ my house or business is seriously damaged? If your safety is at risk, immediately call 911! Only if it is safe to do so, do what you…

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May 23, 2022 Ontario Storm- May 2022

Captured: Merivale Plaza, Ottawa, ON. We are aware of the terrible damage caused by the storm across the city and Province.  With wide spread damage and our own power being affected, our phone system is down.  Insurance companies are also doing their best to keep up with the demand but phone lines are certainly backed up due to the number of people sustaining damage.   If you have serious damage to your property, your best course of action at this point is to consult our Claims page for information at https://www.rhodeswilliams.com/claims/ and consulting the “after-hours section” .  Here you will find options for contacting your insurance company directly, or our after hours claims line.  Take pictures of any and all damage and take…

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Apr 20, 2022 What is more important- Cost or Coverage?

When you are looking at your auto and property insurance policies, what is more important to you- the cost of the policy, or the coverage that is included? Many different factors affect the calculation of your insurance cost in today’s world. Having a full understanding of the policy coverage that you have will provide the true value of your insurance protection. If you have questions about your coverage, you should set up a time to discuss the details with your Rhodes & Williams insurance broker. Setting up a phone appointment allows both parties to set aside a specific time to dedicate their attention and focus to the conversation. We are always happy to educate our clients on the variables that affect the cost of their…

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Apr 13, 2022 RENTED DWELLING INSURANCE FOR ABSENTEE LANDLORDS

Have you been posted overseas for work? Are you having trouble finding insurance for your home while you are out of the country? Rhodes & Williams can help with your insurance! R&W has an exclusive agreement with a Canadian owned insurance company to insure rented dwellings while owners of the home are posted overseas for a period of time. We can insure single-family homes in Ontario with some conditions: Managed by professional property managers, while you are out of the countryResidences must be checked inside and out twice annually by the property managers.Tenants in the home must have their own Renters insurance in place.Vacant dwellings waiting for tenants to move in are also eligible. Do you have an older home? Older dwellings will qualify…

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Mar 30, 2022 Is UBI for you?

In recent years, some insurance companies have started to come out with car insurance products that allow you to be charged specifically based on how you drive. Pay-as-you-drive, User-based-Insurance (UBI), and customized car insurance is just a few of the terms used to describe this type of car insurance product. Although each insurance company’s version of UBI differs slightly, all of the ones we offer are a slightly different version of the same general concept.  An app on your phone (some used to use an actual device plugged in to your car… but come on check what year it is! measures things such as acceleration, hard breaking and turning, time of day driving, and kilometers driven, for example.  Each may measure something slightly…

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Feb 16, 2022 Gap Insurance vs Waiver of Depreciation

What is Gap Insurance? Gap Insurance is coverage that is typically offered by dealerships.  It helps pay off the financing loan for your vehicle in the event that your insurance claim is considered a total loss. It can only be applied if there is a total loss and you owe more than the depreciated value as assessed by your insurance company. It will pay the difference between what is still owed and what the depreciated value is at the time of the loss.    What is a Waiver of Depreciation? Waiver of Depreciation is an endorsement offered by insurance companies that provides coverage if your vehicle is considered a total loss. The coverage is primarily available for new vehicles at the time of purchase…

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Jan 24, 2022 Am I Covered If My Car Falls Through The Ice?

Living in a winter climate like Ottawa brings many great outdoor winter activities like skating, skiing, ice fishing and more. For the most part, the thought of your auto insurance when enjoying some of these activities is not a thought at all. However, what happens if the thought becomes a reality? What happens if your car falls through the ice? If you have auto insurance, and you are paying for either Specified Perils, Comprehensive, Collision, or All Perils coverage, chances are, if the car falling through the ice was accidental, your insurance company would pay out the claim. It may surprise some, since driving on the ice may be a risk not worth taking, but under your Ontario Automobile Policy (OAP1) if you have…

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Jan 14, 2022 Unit Owners Condo Insurance – Why It’s Important to Arrange Coverage

Whether you have purchased a townhouse or a brand new high-rise apartment, you need to purchase Condominium Insurance            . It is typical that your condominium association or homeowners association would have a policy in place to cover damage to the building if something happens outside the walls of your condo. This master policy is intended to cover storm damaging the roof, siding or windows for example. If you have damage to the inside of your home or apartment, you may be responsible for all or some of the damage and this is why condo unit owners should have a personal policy. When you purchase a new condo, you might wonder why you would need your own insurance policy in addition to the building’s…

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