News & Blog: Personal Insurance

Covering the insurance-related issues and developments that matter to our personal and business clients.

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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Sep 16, 2020 Insurance coverage for your mobile phone

There’s no denying that most of us would be lost without our mobile phones. They’re our personal sidekicks, our closest connections to friends, and our family photo albums. So, when something goes wrong and your phone is stolen or damaged, the last thing you want to worry about is the cost of replacing it. This is where insurance comes in. But is your standard home insurance policy enough, or should you purchase additional cell phone coverage? We’ve got the answers to your questions, plus a breakdown of key differences between home insurance and mobile phone insurance. Does home insurance cover your cell phone? Yes. Your home, condo, or tenant insurance policy covers your phone in many different situations. Here’s what you need to…

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Aug 18, 2020 Top Reasons for Car Accidents in Ontario

We see them, we hear about them, our daily commutes are affected by them, and yes, sometimes, we are also involved in them. According to the Ministry of Transportation there were over 35,000 personal injury and fatal collisions in Ontario in 2018. That is almost 100 car accidents a day! If you speak to any law enforcement officer, they will agree that 99.9% of accidents can be prevented. So if they can be prevented, why do we keep getting into accidents? Ultimately it’s the day-to-day decisions that we make; we get into routine, driving becomes a habit and we often let important factors slip our mind which unfortunately could cost the ultimate price. Here are the top four reasons for car…

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Jul 21, 2020 Who is at fault for a collision in a parking lot?

Even though the basic rules of the road still apply when you’re driving in a parking lot, it may be a little more difficult to figure out who is at fault for an accident. Being considered “at fault” for a collision could play a role in determining whether or not you have to pay your deductible when you make a claim, and it could also affect your car insurance premium. While fault determination rules vary by province, here are some examples of common accidents that occur in parking lots and how fault may be determined in each scenario. Who is at fault if your car is hit while it’s parked? If your vehicle is hit while it’s legally parked and you’re able to…

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Jun 12, 2020 Tips for cleaning up your yard and garden for spring

With Summer almost here, you may or may not have already finished your spring cleaning. If you haven’t already started, now’s the perfect time to get started on your spring cleaning. While you’re at it, give your lawn and garden some attention, too. Keep these tips in mind as you get started: Pick up the obvious stuff first. Once the snow is all gone, you’ll likely need to go around your yard and pick up litter, dog waste, and larger plant debris (like fallen branches) left behind over the winter. Be sure to use a pair of gloves and beware of broken glass. Leaving debris on your lawn long after the snow has melted can prevent new, healthy grass from growing in.

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May 11, 2020 How insurance companies are supporting those who have been affected financially by COVID-19

The COVID-19 pandemic has led to financial struggles and uncertainty for many across the country. Whether you’ve been laid off from your job or you’re an hourly worker whose shifts have been reduced — or if the pandemic has affected your finances for another reason — you might be having a hard time staying on top of your bills right now, including your insurance premiums. Insurance companies understand, and we’re taking measures to support those who are facing tough financial situations as a result of the pandemic. The Insurance Bureau of Canada announced that its member companies will take the following measures to support their customers: Drivers whose habits have changed may qualify for reduced car insurance premiums. If your driving habits have…

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May 6, 2020 7 Steps to Arranging Car Insurance When Moving from Out-of-Province

Moving to Ontario from another province can be stressful. One of the many things you have to do is switch your driver’s license and license plates so you can register your vehicle in Ontario. If you are moving to Ontario, your out-of-province plates are only valid for 30 days so you can’t put this off indefinitely. Instructions on what you will need to switch your license and register your vehicle can be found at www.ontario.ca. One of the requirements of registering a vehicle in Ontario is that you have proof of insurance. Here’s a quick rundown of the steps you need to take when moving from out of province. 7 of the steps you need to take Contact the license bureau of the province…

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Apr 17, 2020 What does a ‘hard market’ mean for insurance customers?

If you have home or car insurance (or if you’ve recently been shopping for insurance), you may have heard that the Canadian insurance industry is in the middle of a hard market. Even if you’ve never heard the term “hard market,” you may have experienced the effects of one as an insurance customer. We want to make sure you understand what a hard market means for the insurance industry — and, more importantly, what it could mean for you. What is a hard market in the insurance industry? Insurance companies rely on premiums and investment income to pay claims — premiums alone aren’t enough, especially as claims continue to become more frequent and more expensive. So, in a time period with low investment returns and…

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Mar 3, 2020 What happens if your vehicle is damaged by a pothole?

Most drivers are familiar with the unique sense of dread that sets in immediately after hitting a really bad pothole. It might also come with a few choice words and thoughts like, “my poor alignment!” and “what if that ruined my tire?!” The good news is that most potholes aren’t large or deep enough to do instant damage to your vehicle. But if your vehicle is damaged because of a pothole, what should you do? And will your car insurance cover the damage? We’ve got the answers to your questions.   What should you do if your vehicle is damaged by a pothole? If you hit a major pothole and can tell that it has done damage to your vehicle, take photos of any visible damage and…

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Feb 26, 2020 Value Over Price

Price is always on our minds, and the first thing a prospect often wants to know is how much insurance is going to cost them. With technology now at our fingertips, this usually means people will open their computers (or take out their phones) and start doing their research online, looking for the cheapest options. But brokers know that doesn’t give the full picture. How do we encourage customers to look beyond the price tag to ensure they’re properly covered? Direct-to-consumer online sales are growing in parts of Canada, since many people like the immediacy of going online and getting a quote. In fact, in Canadian Underwriter’s 2019 National Broker Survey, brokers ranked the top two threats to the…

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