Jun 29, 2021 Are you Moving Your Parents into a Nursing Home? Do They Need Insurance?

It is possible that your current home insurance policy includes coverage for “parents in a nursing home”, but is it the right protection for your situation? It is important to review this coverage with your Rhodes & Williams Insurance Broker to confirm if it is automatically provided in your specific policy and that it is enough for your loved one’s contents and liability at their new residence. The declaration page of your insurance policy will not usually include these details, however, your Broker can easily confirm this information for you.  The coverage varies by each insurance company so it is always best to call your trusted insurance broker with your questions, to confirm you are protected. Explore…

Read More

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.”…

Read More

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…

Read More

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…

Read More

Oct 7, 2020 Home insurance for short-term rentals

In today’s sharing economy, peer-to-peer rentals are making their name as cheaper (and trendier) alternatives to traditional hotels. But if you’re considering entering the short-term rental market as a homeowner, there are a few things you should know. Do you have to tell your home insurance company when you’re renting out your home? Yes. Any time your situation changes, it’s important to talk to your licensed home insurance broker to make sure you have the right coverage to protect you in an emergency. Here are three examples of home-sharing situations your broker and insurer need to know about, no matter what: 1. You’re listing your home on a home-sharing website or app. You’ve heard that listing your apartment (or even just your…

Read More

Jun 4, 2019 Tornado / Windstorm Coverage and FAQ’s

Orleans tornado, taken from Trim and Watters in Orleans.Photo Credit: Michael Dalrymple With the Ottawa area having just experienced its second tornado event in the past 10 months, the obvious question on everyone’s mind is, “Will my homeowner insurance cover damage to my home, caused by a tornado event?” Am I Covered? Damage to homes caused by hail or wind is generally covered by a standard homeowners insurance policy. This includes damage caused by flying debris or falling branches. This would also generally include damage to your home and its contents when water enters through openings as a result of the wind or hail damage. In certain circumstances, homeowners who are unable to live in their homes because of the insurable damage are entitled to…

Read More

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 –…

Read More