News & Blog: Personal Insurance

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

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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Jun 29, 2021 Are you Moving Your Parents into a Nursing Home? Do They Need Insurance?

It is possible that your current home insurance policy includes coverage for “parents in a nursing home”, but is it the right protection for your situation? It is important to review this coverage with your Rhodes & Williams Insurance Broker to confirm if it is automatically provided in your specific policy and that it is enough for your loved one’s contents and liability at their new residence. The declaration page of your insurance policy will not usually include these details, however, your Broker can easily confirm this information for you.  The coverage varies by each insurance company so it is always best to call your trusted insurance broker with your questions, to confirm you are protected. Explore…

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Apr 23, 2021 Insurance Advice for Parents of Young Drivers

Having a young driver in the household can be both a blessing and a curse. You are happy your child is finding their independence and getting themselves to hockey practice but at the same time, watching them drive off in your car (yes you are now stuck at home with no car) can be some cause for anxiety. I am just going through this now and thought I would send out a few tips regarding young drivers and the world of insurance. Tips from an account manager with a 16 year old son  Seems like just yesterday they got their G1 and now they are pulling out of your driveway with their G2 in hand. They now have up to 5 years before…

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Mar 25, 2021 Simple Tips for your Spring Home Maintenance

Spring is in the Air It is a great time to start addressing some basic home maintenance to keep your property in good shape and avoid any costly damages that may or may not be covered under your insurance. Here are few things to consider: Roof. Now that the snow has melted, it is a good time to carefully inspect your roof and look for any missing, broken, or worn shingles. Don’t forget to also check underneath those shingles for any soft spots which could mean there is rotting wood. Although most insurance policies cover roof damage, there are can be limitations when it comes to deterioration if the damage is a result of wear and tear or neglect. Attic. While you are up there…

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Mar 18, 2021 7 tips to protect your home from basement flooding

With the climate changing and weather patterns more unpredictable than ever, flooding has become the primary concern for water damage in household basements. The potential for flooding with recent spring thaws continues to be a growing concern, with constant reports indicating higher than usual flood risks year over year. According to a report by the Faculty of Environment at the University of Waterloo, basement flooding is on the rise all across Canada. Their findings reveal that 1.7 million Canadian households are exposed to some sort of flooding risk. This is expected to result in billions of dollars of losses, with an average price tag of $43,000 per flooded basement. “More often than not, basement flooding is a result of overland flooding, infiltration…

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Mar 5, 2021 Water & Sewer Line Coverage – What You Should Know About the City of Ottawa Offer?

Residents of Ottawa are receiving notices from the city about their new partnership with a company offering an ‘affordable repair plan’ for homeowner’s water and sewer service lines. Our brokers are receiving many inquiries from customers asking for help understanding how their home insurance might provide the coverage. Let’s see if we can help shed some light for you. What is this about? As the infrastructure within the city of Ottawa ages, so do the lines and pipes that run to your home. The city is rightfully notifying residents of the potential exposure that would occur from a break or leak. The City of Ottawa has partnered with a company, called Service Lines Warranties of Canada (SLWC), a US based company and, from what…

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Mar 4, 2021 7 tips for safer night driving

It’s no secret that driving at night can be more dangerous than driving during the day. When you’re fighting poor visibility, sleepiness, and distracted drivers, it can be a challenge to avoid all of the risks around you. While you’d likely rather stay off the road completely, there’s often no way to avoid driving in the dark. Whether you’re a new driver or a seasoned veteran, you can use these practical tips to drive safely long after the sun goes down: Be extra defensive. The number one rule we’re taught in driving school is to always be defensive — you need to stay alert, follow all road rules and signs, and be ready to respond to other drivers who may do something unexpected. At night, you…

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Feb 23, 2021 10 ways winter weather can damage your home

Winter weather in Canada can be unpredictable to say the least. In some areas, it’s not unusual to see extreme cold, freezing rain, snow squalls, windstorms, and a sunny day above zero degrees all in the same week. Unfortunately, drastic changes in weather and temperature can damage your home, so it’s important to take some precautionary measures to protect it. Here are 10 common issues to watch out for this winter, plus tips to avoid damage to your home: Roof leaks. During the winter, poor insulation and ventilation in your roof can allow warm air to rise from the heated areas of your home and melt any snow that has built up on your roof. The melted snow can then drip down to the colder edge…

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