News & Blog: Personal Insurance
Covering the insurance-related issues and developments that matter to our personal and business clients.
Mar 27, 2018 Spring Driving Tips
It’s that time again ─ Spring is finally here! But is your automobile ready for the warm weather? Your Spring Auto To Do List: 1. Windshield Wipers: Check them for wear and cracks, and replace them if necessary. Remove your winter wipers if applicable and install your summer blades. 2. Windshield Washer Fluid: Always remember to keep extra windshield washer fluid in your vehicle. Spring brings dirt, dust and insects that can obscure your vision. 3. Clean the Interior: It’s easy to use your car or truck as a storage area for all kinds of things (including useless junk and garbage), especially in the cold months when you don’t feel like cleaning your car. Take time to declutter your car; losing the extra weight can significantly increase…Read More
Mar 6, 2018 Planning a trip this March break?
With your vacation right around the corner, you’re busy preparing everything that goes along with taking off to a sunny destination; getting the whole family packed, running around to pick up the last couple items needed and confirming your reservations with the airlines/hotels are only but a couple things that you have to do before jetting away. But before you jump on that plane, have you thought about travel and health insurance? Although our provincial health plan may cover certain unforeseen costs that may be incurred while traveling it doesn’t always cover out-of-country travel. As an example, you and your family are traveling to a sunny destination such as Mexico and someone in your party severely injures themselves while out on an excursion. They…Read More
Dec 8, 2017 Canada’s Most Stolen Vehicles in 2017
Every year, the Insurance Bureau of Canada releases a list of the most stolen vehicles in each province and Canada as a whole. “Between 2015 and 2016, Ontario has seen an overall increase of 1% in auto theft, with considerable variations and fluctuations right across the province.” said Kim Donaldson, Vice-President, Ontario, IBC. This year’s list may or may not surprise you. Trucks and SUV’s once again top the lists with the 2015 Lexus GX460 taking the number one spot Canada wide for the most stolen vehicle. Ford pickup trucks and Toyota 4Runner SUV take their usual place amongst the lists in each provincial category as well as Canada wide. Quoting Statistics Canada as the IBC source, Kim Donaldson noted that “Guelph, Ontario reported…Read More
Nov 13, 2017 Flooding & Home Insurance: 5 Key Questions Answered
The environment is changing – temperatures are on the rise impacting weather conditions everywhere. We only need to turn on our TV each week to see the news covering the next severe hurricane, tropical storm or flooding. In fact, flooding now represents 40% of all natural disasters and has become the #1 threat to your home. Flooding & Home Insurance – Am I Covered? Most Canadians don’t know what their home insurance policies cover when it comes to water damage. Depending on your policy, water coming into your home from torrential rainfall, overland water and spring thaw may NOT be automatically covered. Whether you own, rent or are a landlord; how water impacts you will vary so understanding your insurance policy and coverage is…Read More
Oct 27, 2017 Don’t Ask, Don’t Tell ─ Pay Big!
Disclose All Licensed Drivers in the Household to Ensure Your Car Insurance Will Cover You When You Need It Most! Sometimes the saying goes, “If they don’t ask, then don’t tell!” That is categorically not the strategy to take when dealing with insurance. Use your Insurance Broker as your sounding board and talk to them about your circumstances, so they can act on your behalf and provide you with advice when buying car insurance, home insurance, renters insurance, and even insurance for your business. One thing that people may think is not important … or “none of the insurance company’s business” is all the licensed drivers in the household. The thought process may go something like this, “I am insuring my car – the…Read More
Sep 1, 2017 Off to University or College? Insurance Class is in Session
Books – ✔ Pencils – ✔ Laptop – ✔ Insurance – …………??? When students leave home to attend school, there are a lot of things to consider. For many, it will be the first time living on their own, bringing with it new responsibilities. Insurance is one of those responsibilities that it is time to learn about… before classes start. Luckily we are here to help, so listen up and ace Insurance Protection 101! Class is in Session Lesson #1 Contact your Rhodes & Williams Insurance Broker before you head off to University. Not with Rhodes & Williams? (shame on you! ;-)) Contact your insurance representative. Whomever looks after your insurance should be there as a resource to answer your…Read More
Aug 30, 2017 Personal Insurance that Fits your Lifestyle
Change The same way that caterpillars become butterflies, children become adults. Change is a part of life for all living things no matter the circumstances. Eventually they’ll come a time in life when we need to shift the direction of our lives in order to live a life we want. Moments like these while sometimes scary, will lead to a change that allows us to grow, learn, evolve, and finally become who we want to be. As you decide to buy a car, move out of your parents’ home, purchase real estate, travel the world, or eventually have a family of your own – you’ll most likely need different insurance coverage to meet the demands of your evolving lifestyle. Did you decide to…Read More
Aug 26, 2017 Before, During and After a Tornado
Did you know that (after the United States) Canada gets more tornadoes than any other country in the world? Much more powerful than your typical thunderstorm, a tornado can cause significant damage to your home and property. The good news is, you can take some simple steps before, during, and after the storm to protect your space and keep your family safe and sound. How to prepare before a tornado Tornado season generally spans from May through September in Canada. These simple tips can help you prepare for a tornado emergency: Keep your eye on the weather. Summer storms can come on suddenly, so it’s important to stay alert. Environment Canada is responsible for warning Canadians about extreme weather events through local radio…Read More
Jun 9, 2017 Navigational Limits
We have been waiting a long time for the nice weather to arrive and hopefully we are turning a corner on all of this rain ─ and only have sunshine in the future. Even with the delay to spring, most people now have their boats in the water. This means that it’s time to think about reviewing your boat insurance. If you have your boat are at your cottage or campground and pretty much never leave the area, than you are likely within your navigational limits. What are Navigational Limits you might ask? The simple answer is they explain where insureds can and cannot take their property. Your broker should have made sure to have you covered in the proper area when your policy…Read More
May 18, 2017 When It Rains, It Pours
Once it starts to rain, and the water is starting to accumulate and seep into your house, it’s a little too late to start thinking about water protection options. And with unpredictable weather becoming more frequent, the possibility of unpredictable damages and costs to your home comes with it. As a consumer it’s important to know what exactly water coverage is and what it does. Up until recently, most water coverage policies only covered in home water damage like burst pipes or sewer backups. However, with weather becoming more extreme due to climate change, aging buildings and continued urbanization, insurance companies now have to adapt. Which is where Overland Water Protection comes in. Aviva, Intact, Novex and RSA Insurance have all recently come out…Read More