Oct 19, 2020 Home Insurance Coverage For Spoiled Food

The value of your food can add up quickly, especially if you have a deep freezer filled with meat, seafood, and other big-ticket items. So, what happens if there’s a power outage or your fridge or freezer malfunctions? Thankfully, your home insurance policy has you covered. What is food spoilage coverage? Food spoilage coverage is designed to protect you if the contents of your fridge or freezer are spoiled because of a power outage or technical malfunction. This coverage is included in most standard home, tenant, and condo insurance policies. Common exclusions of food spoilage coverage Food spoilage coverage only covers spoilage as a result of a power outage or a malfunction in your fridge or freezer. If you’ve…

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Feb 13, 2020 7 things to know about dealing with tow trucks

You have just had an accident and you are stuck on the side of the road.  Thankfully, no one was hurt and you just have to deal with the damage to your vehicle. It is rush hour, traffic is hurtling past you, and you are “that person” who is creating havoc for everyone commuting home. You just want to get out of there. The police have come to the scene and statements have been made. Now you have to move your car but it isn’t drivable. This is not your finest moment. Before having it towed, there are some towing rules you should know: If a tow truck driver just shows up, you can send them on their merry way. As per City of Ottawa Bylaw,…

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Feb 5, 2020 What to do if you are in a car accident – 6 pieces of critical information

I recently saw this tweet from Kim Gardner and despite her being an Anaheim Ducks fan, I decided to help ;-> Young or old, it is a good idea to prepare ahead for a car accident and hope you never need to use the knowledge you have gained. Quite often, such information is available to print out and keep in your glove box for when you need it, or in the case for our clients, it is also available in our Client Centre app which is available to download and always have with you in your phone. First and foremost, make sure everyone is safe. If it is a serious accident, or if anyone is…

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Jan 17, 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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