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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Sep 25, 2020 Get Under an Umbrella – Policy that is

This blog was originally posted in 2009, however the concepts are still applicable today: I have been meaning to write an article / blog about umbrella insurance for quite some time now. Howard Yegendorf beat me to it and did a great job of it. He was kind enough to allow me to use his material and act as a guest blogger for Rhodes & Williams Insurance Brokers. Nightmare Scenario #1 You are driving your car, not paying attention momentarily, and you go through a red light colliding with another vehicle going through the green. The accident is clearly your fault. The other driver suffers catastrophic injuries. He makes a good living and his injuries will prevent him from ever being gainfully employed again. He…

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May 6, 2020 7 Steps to Arranging Car Insurance When Moving from Out-of-Province

Moving to Ontario from another province can be stressful. One of the many things you have to do is switch your driver’s license and license plates so you can register your vehicle in Ontario. If you are moving to Ontario, your out-of-province plates are only valid for 30 days so you can’t put this off indefinitely. Instructions on what you will need to switch your license and register your vehicle can be found at www.ontario.ca. One of the requirements of registering a vehicle in Ontario is that you have proof of insurance. Here’s a quick rundown of the steps you need to take when moving from out of province. 7 of the steps you need to take Contact the license bureau of the province…

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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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Apr 18, 2019 A Car Crashed in to My House – Who Pays?

The Headline at CBC news Ottawa reads, “SUV narrowly misses man — in his living room”. Picture it in your mind….. You are sitting on your couch watching the news. Maybe your mind is on the story you are watching on the television, or maybe you are thinking about the family dinner you are starting to plan for the Easter Weekend. Should you do turkey, ham or….SMASH, CRASH, BOOM!!! It is a scary thought. As I was reviewing related tweets in the following days, I started to see the question asked…. “I wonder who pays for the damage to the house –…

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Jan 10, 2019 Does the Auto Insurance System in Ontario Need to Change?

This is the question currently being contemplated by the Ontario government.  They are inviting drivers and consumers to share their views on how to lower the province’s auto insurance rates, part of a broader initiative on auto insurance reform. I do not intend to give a complete background on the issue or opinions on everything that needs to be fixed, or I would lose all readers by the 100th page! For a very brief background on the issue, visit “Ontario wants to hear from Consumers about How to Lower Auto Rates”   and when done reading this document, visit Here to fill out the very brief survey and have your say. I would like to give you my opinion on a…

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Nov 4, 2016 Do it for the Safety or Do it for the Savings – Just Do It!

The government of Ontario has made numerous efforts to drive down the cost of car insurance for drivers in Ontario. As always, we support anything that helps our clients save money on their car insurance – especially those initiatives that encourage safer driving. When shopping for winter tires, it is important to look for a tire that displays the Three-Peak Mountain Snowflake Symbol (Also referred to as the ‘Alpine” symbol) on the sidewall. Transport Canada acknowledges that tires displaying this symbol meet the specific snow traction performance requirements,and have been designed specifically for use in severe snow conditions.A simple google search of “winter tire effectiveness” will give you all kinds of information as to the safety reasons for installing a full set of winter tires…

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Jul 1, 2016 How the Car Repair Process Works

If you’ve never been in a car accident, you may not know what happens when you bring your car to a repair shop. We’ll walk you through how the process works at a reputable collision repair centre. Before you bring your car anywhere, however, it’s important that you call your insurance broker. Not all repair facilities are approved by all companies – but that’s for your protection. An approved repair shop generally provides reliable service, competitive prices and may provide other benefits as well. If you have your car taken to an unapproved company your insurance may not guarantee the repairs. Once you know your car is in good hands, here’s the usual process you and your car will go through. Please note that…

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