Insurance Basics: Personal Insurance

Illuminating articles and ideas that will shed more light on all your insurance-related concerns.

Nov 4, 2021 Tips on how to Submit an Accurate Home Insurance Quote Online

Part 2 of completing accurate insurance quotes online looks at home insurance, and some of the common errors often seen. ( See part 1 – auto insurance here). Here are some of the most common errors; Replacement costThis is often one of the main discrepancies from online quotes, resulting in inaccuracy. Sometimes this results in predicting insurance cost that is too high, but more often than not, way too low. When inputting replacement cost online, we often hear from new home buyers, “I chose that number because the land is worth something, so I subtracted 20% from what I paid for the house”. Purchase price is not an accurate indication of replacement cost for insurance purposes. It’s perhaps a good starting point, but…

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Sep 27, 2021 4 Steps to Help You Insure Your Property or Vehicle “In the Estate of”

Going through the process of organizing insurance for assets that have been registered into the Estate of a loved one can be a complex and emotional experience as you mourn their loss. You may not be aware but property such as a house, vehicle or cottage, will need to be transferred to the name of the Estate to ensure that the property remains covered through insurance. At Rhodes & Williams Insurance, we understand that this is the last thing you may want to think about which is why we are here to support you during this difficult time. Below are the (4) steps* to ensure the process is simple and easy for you and your family: Provide a copy of the death certificate for the…

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Aug 10, 2021 Auto Insurance Quote Online: Tips to Submit for Accuracy

Wait? Insurance quotes online aren’t accurate? One of the most common opening lines I hear from clients after doing a car insurance quote on our website is  “ Hi Brian, thanks for the quote, what information do you need from me to obtain an accurate insurance quote?” My first reaction is, “why isn’t the quote accurate?” If the information submitted was correct, the online tool is extremely accurate. However, clients are now accustomed to the price changing after they speak to an insurance broker. They assume it’s wrong without ever really knowing why and this can be very frustrating. I am here to help with a few tips to produce the most accurate auto insurance…

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Sep 25, 2020 Get Under an Umbrella – Policy that is

This blog was originally posted in 2009, however the concepts are still applicable today: I have been meaning to write an article / blog about umbrella insurance for quite some time now. Howard Yegendorf beat me to it and did a great job of it. He was kind enough to allow me to use his material and act as a guest blogger for Rhodes & Williams Insurance Brokers. Nightmare Scenario #1 You are driving your car, not paying attention momentarily, and you go through a red light colliding with another vehicle going through the green. The accident is clearly your fault. The other driver suffers catastrophic injuries. He makes a good living and his injuries will prevent him from ever being gainfully employed again. He…

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Feb 5, 2020 What to do if you are in a car accident – 6 pieces of critical information

I recently saw this tweet from Kim Gardner and despite her being an Anaheim Ducks fan, I decided to help ;-> Young or old, it is a good idea to prepare ahead for a car accident and hope you never need to use the knowledge you have gained. Quite often, such information is available to print out and keep in your glove box for when you need it, or in the case for our clients, it is also available in our Client Centre app which is available to download and always have with you in your phone. First and foremost, make sure everyone is safe. If it is a serious accident, or if anyone is…

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Jun 4, 2019 Tornado / Windstorm Coverage and FAQ’s

Orleans tornado, taken from Trim and Watters in Orleans.Photo Credit: Michael Dalrymple With the Ottawa area having just experienced its second tornado event in the past 10 months, the obvious question on everyone’s mind is, “Will my homeowner insurance cover damage to my home, caused by a tornado event?” Am I Covered? Damage to homes caused by hail or wind is generally covered by a standard homeowners insurance policy. This includes damage caused by flying debris or falling branches. This would also generally include damage to your home and its contents when water enters through openings as a result of the wind or hail damage. In certain circumstances, homeowners who are unable to live in their homes because of the insurable damage are entitled to…

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Jan 10, 2019 Does the Auto Insurance System in Ontario Need to Change?

This is the question currently being contemplated by the Ontario government.  They are inviting drivers and consumers to share their views on how to lower the province’s auto insurance rates, part of a broader initiative on auto insurance reform. I do not intend to give a complete background on the issue or opinions on everything that needs to be fixed, or I would lose all readers by the 100th page! For a very brief background on the issue, visit “Ontario wants to hear from Consumers about How to Lower Auto Rates”   and when done reading this document, visit Here to fill out the very brief survey and have your say. I would like to give you my opinion on a…

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May 21, 2017 Changes To Ontario’s Accident Benefits Coverage

Your Auto Insurance Benefits are CHANGING June 1, 2016 As of June 1, 2016, the Ontario government has introduced changes to automobile insurance coverage to help make insurance premiums more affordable. The changes only apply to auto insurance policies issued or renewed on/or after June 1, 2016 Every 5 years, the government mandates a review of the auto insurance system. The outcome of this review will result in changes to the coverage that you currently have. At this time, Ontario has the highest level of standard coverage in Canada. These are coverages that you pay for, in your automobile insurance premium. To help stabilize rates, the Ontario government has implemented changes to auto insurance. Several measures are aimed at reducing fraud and abuse within the…

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Jun 2, 2016 Ontario Auto Accident Benefit Details

Providing More Choice to Consumers: What You Need to Know About Changes to Auto Insurance in Ontario: The Details The Ontario government is introducing reforms to the auto insurance system, in order to provide consumers more choice over the coverages and price they pay for insurance. These additional accident benefit choices will allow you to customize your policy to suit your needs. These measures are aimed at reducing fraud and abuse of the system, which increase premium. Standard Auto Insurance Policy In Ontario, the Insurance Act determines the standard coverage that consumers must purchase. As a result of the reforms, some of the features under the Standard Auto Insurance Policy have changed. Beginning June 1, 2016, if you are either buying a new auto insurance…

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May 22, 2016 Ontario Auto Regulations Accident Benefits Summary

New Choices for Consumers…

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