News & Blog: Personal Insurance

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

Sep 17, 2019 Sump Pump 101

When it comes to preventing flooding in your home, sump pumps are among the most valuable tools at your disposal, especially during heavy rainfalls or snowmelt season. Learn how sump pumps work and how you can keep yours flowing smoothly all year long. What is a sump pump? A sump pump is a device that picks up water from your basement (specifically from the sump pit, a hole in the lowest part of the basement floor, where runoff from your home’s weeping tile collects) and pumps it safely away from your home’s foundation. Sump pumps are especially helpful in rural areas and regions prone to flooding, where rainwater and melting snow can’t easily drain into a municipal sewer system. How do sump pumps work? Once…

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Sep 6, 2019 How To Prevent Flood Damage in Your Home

When water ends up where it doesn’t belong, it can do a good deal of damage — but many homeowners don’t think about preventing water damage until it’s too late. Take these 10 steps to help prevent damage to your home before it happens: 1. Seal cracks in your foundation walls and basement floors. This is a simple way to help reduce the risk of basement water damage. In most cases, existing cracks can be sealed from the inside of your home without having to dig around your foundation. 2. Install window wells and covers. Window wells, or wells dug outside a below-grade window, are typically reinforced with galvanized steel or polyethylene shields that support the earth and block debris and moisture from reaching your basement windows.

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Sep 6, 2019 Can I Let Someone Else Drive My Car?

Whether your buddy needs to borrow your pick-up truck to move his couch or your daughter wants to drive your car to her college class twice a week, it’s not uncommon to want to lend your vehicle to another driver from time to time. But what happens if the person you lend your vehicle to gets into a collision? And how many times can you lend your vehicle to someone before they need to be added as an occasional driver on your car insurance policy? We’ve got answers to your questions. Will my insurance policy still cover damage to my car if someone else is driving? Generally speaking, your own insurance policy should cover damage to your vehicle even when someone else is driving it,…

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Sep 5, 2019 Digital Pink Slips Legal in Ontario

On September 5, 2019, The Ontario government announced that it is enabling drivers to carry electronic proof of auto insurance on their mobile device, including their smartphones, as part of the Putting Drivers First blueprint announced in 2019. “There is a lot of work to be done in Ontario related to car insurance,” says Rhodes & Williams Insurance Brokers C.O.O., Cory Young, “However I truly feel that digital pink slips is a simple fix to make life more efficient and convenient for today’s driver’s.” Rhodes & Williams Insurance Brokers clients can start using their digital pink slip immediately by downloading their app in the client center. Official announcement from the Ontario Government available here:…

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Jul 31, 2019 How to Choose the Right Tenant Insurance Limits

One of the most common myths about insurance is that renters don’t need it. Your landlord has insurance, so you’re covered, too…right? Unfortunately, this isn’t the case. When there’s damage to your building, your landlord’s insurance will probably cover the walls around you and any major appliances that came with your unit, but it won’t cover your own stuff. This is where tenant insurance comes in — and it’s important to make sure you have the right amount of coverage in place in case of an emergency. Your licensed insurance broker will know what questions to ask you to make sure your policy meets your needs, but you can also consider these tips when setting your limits. How much personal property coverage do renters need? Personal…

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Jul 17, 2019 How to Insure Your Backyard Wedding

There’s a lot to think about when you’re planning a wedding — especially when you’re hosting it yourself. From choosing the right chair rental service to helping your guests find overnight accommodations, your to-do list is likely jam-packed, and the last thing you should be worried about is what might happen if something goes wrong — and whether or not your insurance will cover it. We’ve got the answers to your questions to help make sure your big day goes off without a hitch. Does your home insurance cover a backyard wedding? As long as you aren’t breaking any laws, selling alcohol, or disobeying the terms outlined in your policy, your home insurance will apply as normal during your backyard wedding. The main parts of…

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Jun 19, 2019 How to Prepare for More Severe Weather

It’s no secret that climate change is leading to more frequent and more severe weather events and catastrophes around the world. Here in Canada, some of the most obvious examples include an increase in wildfires, more extreme heatwaves, and flooding. Consider these tips to make sure you’re prepared to protect your home in case of a major weather event in your neighbourhood.   Get the coverage you need before you need it Insurance, in a nutshell, is planning for the worst and hoping that it never happens. When clear skies are in the forecast, reviewing your insurance policy might not be top of mind, but it’s essential that you have the right coverage in place before the worst happens. This means reviewing your policy to make sure…

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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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May 10, 2019 15 Items Your Home Insurance Might Not Cover

You count on your home insurance to protect you when you need it most — and when you’re dealing with an emergency, the last thing you want to worry about is whether or not all of your belongings will be covered. The good news is, the majority of your stuff is probably covered by your standard home, tenant, or condo insurance policy. But there are some items that your policy may specifically exclude, and others that might come with special limits. If you take the time to familiarize yourself with the types of items that typically aren’t covered by home insurance, you can talk to your broker and make sure you get the protection you need before you need it.  Items that aren’t typically covered by home…

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Apr 30, 2019 What Information Do I Need to Provide When Making a Home Insurance Claim?

Dealing with an emergency at home is never easy, whether it’s a fire, break-in, or flood. Thankfully, your home insurance policy is there to protect you and your family when you need it most. Keeping track of some important information before, during, and after an incident can make for a smoother claims process and help you feel at home again as quickly as possible. When you make a home insurance claim, you could be asked to provide any of the following information: Details about the incident: a description of what happened in your own words; whether or not the incident may have been caused by a faulty product (e.g., faulty plumbing parts or electrical wiring) — if possible, keep the faulty item for the adjuster to inspectDamage…

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