News & Blog: Personal Insurance

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

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…

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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…

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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…

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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…

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May 10, 2017 Sometimes Things are just Better Apart!

Sometimes things are better together: Peanut Butter and… Milk and… Turkey and… Well you get the idea. But other times things are better apart: Peanut Butter and… Salami? Milk and… Beet Juice? Turkey and…Motor Oil?…ok, that’s kinda weird…. But hopefully you get the point I am trying to make. Some things are better together and some things should just be kept apart. When reviewing coverage for a potential new client, I was thinking about how this also applies when it comes to insurance. Although there may be times that it makes sense… most of the time it is smarter to keep your trailer insurance and your boat insurance separate from your house insurance. Obviously every situation is different and you need to speak with…

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May 8, 2017 What to Do If You Have Been Affected by Flooding in Ottawa and the Surrounding Areas

updated Apr 26, 2019 Flooding – What do I do? If your property is at risk call 3-1-1. If it is an emergency situation, call 9-1-1. In a situation where residents in low-lying areas along the Ottawa River receive notification of, or see potential flooding, flood damage can be reduced by taking these preventative steps: Move valuables and important documents out of the basement Ensure sump pumps and foundation drains are connected and functioning properly Ensure downspouts or water run-off are flowing to water drainage systems If you live in or near a flooded area, your well water could be contaminated by surface flood water If you think flood water has infiltrated your well or septic tiles, don’t use tap water or the…

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Mar 30, 2017 Ontario’s Drive Clean Testing Fee Eliminated

Starting April 1, 2017, Ontario will eliminate the initial Drive Clean testing fee at registration renewal for vehicles seven years old. The province will cover the cost of your first Drive Clean emission test ─ saving you the $30 fee. It’s important to know vehicles seven years and older must still pass the emissions tests. If the vehicle fails the intial emissions test, you’ll have to pay for the re-rest and and any repairs that may be needed to meet the province’s emission standards. The fee is only waived for drivers of cars, vans, SUVs and light-duty vehicles (vehicles weighing 4,500 kg or less). Drivers of heavy-duty vehicles still have to pay for the test. Emissions tests are required every two years once a…

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Mar 10, 2017 Spring Forward ─ A Fire Safety Reminder

The first sign that spring is right around the corner in Ottawa is moving the clocks ahead one hour ─ and sadly losing one hour of sleep. Health and safety agencies often use the approach of Daylight Saving Time to remind people to change the batteries in their smoke alarms. The Canadian Safety Council suggests you test your smoke alarms ones a year and change the battery every 6 months. Daylight Saving Time is also a great time to check your emergency preparedness kit to make sure it’s fully stocked with enough supplies. If you are asked to evacuate your home or to temporarily shelter in place inside your home for a period of time, prepare an emergency preparedness kit in an easy-to-carry bag…

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Feb 16, 2017 The Ottawa Boat Show is Right Around the Corner

Updated: Feb, 15 2018 The Ottawa Boat Show is right around the corner. And like every year, many people are going to go and dream and some lucky individuals are actually going to fulfill those dreams and walk away with a new boat. Whether it is a 16’ fishing boat or a 28’ cruiser, the prospect of a new boat on the water this spring is exciting. For some, this is an upgrade, trading in the existing boat for something newer, faster, bigger and more expensive. For others, this is a first time purchase and a little bit daunting. Whether a first time boat or a replacement, you are going to need to insure this new baby. Here are some things to keep in…

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Jan 16, 2017 Did Spring Come Early – Pothole Season

Well, based on the bumpy ride of late, you might think that Spring had come early…. But unfortunately it is just Mother Nature playing a cruel trick on us… and our cars … again! With the constantly fluctuating temperature in Ottawa in recent weeks, water gets in to cracks in the roads, refreezes and the wonderful result is feeling like you are driving through a minefield rather than on a nice paved road! This was the pre-lude causing a conversation on twitter with our friends at Goldwing Autocare. The question was …”Are there (insurance) policies to cover high-end wheels.” In the context that it was asked, we do not have insurance policies specific to covering your wheels exclusively, from Road Hazard like…

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