News & Blog: Personal Insurance

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

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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Feb 4, 2021 Does home insurance cover mould?

The short answer is no, home insurance typically doesn’t cover mould. In fact, most home insurance policies list specific exclusions for mould. However, there are certain situations where your policy may have your back in the event that mould develops in your home. Find out why home insurance typically doesn’t cover mould and learn about the exceptions to that rule. Why doesn’t home insurance cover mould? Home insurance is designed to protect you when your home is damaged by a sudden or accidental event, and it generally doesn’t include coverage for wear-and-tear or preventable maintenance issues. Mould typically grows over time and can be prevented by properly taking care of your home and maintaining the right moisture level, so it generally can’t be considered “sudden or accidental.”…

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Jan 18, 2021 5 mistakes homeowners make when buying insurance & how to avoid them

When it comes to buying home insurance, there are a few mistakes that are easy to make. From underinsuring your home or belongings to expecting coverage for things that simply aren’t included in your policy, we’re here to help you avoid these mistakes so you can be confident in your coverage when the unexpected happens. Basing your policy limit on your home’s market value When you’re buying a home insurance policy, you might think it makes sense to base your coverage limit on the market value of your home. But in reality, the cost of the materials and labour required to rebuild your house could be significantly higher than its market value — so you could be left underinsured in the event that your home…

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Jan 8, 2021 How does building a skating rink in your backyard affect your home insurance?

The backyard skating rink is a beloved tradition for families across the country. It calls to mind memories of lacing up skates on chilly winter nights, shooting the puck around with friends, then sipping hot cocoa and snuggling up by a crackling fire. If you’re tempted to bring back your childhood in the form of a DIY ice rink, it’s important to understand what is and isn’t covered under your home insurance policy and take the right measures to protect yourself in case anything goes wrong. Building a skating rink in your yard is a liability risk Like a swimming pool, a skating rink increases the chances of someone getting injured on your property or causing damage to a neighbour’s property. What if someone…

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Dec 30, 2020 Do you leave things until the last minute?

Some people procrastinate because they get an adrenaline rush out of living life on the edge. Others have simply made a habit of it. Leaving everything until the last minute is a way of life for many people. Those who tend to procrastinate are not able to go about their business any differently, no matter how much they try to organize their time. Other people may enjoy the adrenaline rush they get from this, whether they realize it or not. Changes Changes to your insurance policy should not be left until the last minute, no matter if you are a procrastinator or an adrenaline junkie. There may be factors that could affect your Rhodes & Williams insurance broker’s ability to secure the proper insurance coverage for…

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