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…

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Mar 5, 2021 Water & Sewer Line Coverage – What You Should Know About the City of Ottawa Offer?

Residents of Ottawa are receiving notices from the city about their new partnership with a company offering an ‘affordable repair plan’ for homeowner’s water and sewer service lines. Our brokers are receiving many inquiries from customers asking for help understanding how their home insurance might provide the coverage. Let’s see if we can help shed some light for you. What is this about? As the infrastructure within the city of Ottawa ages, so do the lines and pipes that run to your home. The city is rightfully notifying residents of the potential exposure that would occur from a break or leak. The City of Ottawa has partnered with a company, called Service Lines Warranties of Canada (SLWC), a US based company and, from what…

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Feb 23, 2021 10 ways winter weather can damage your home

Winter weather in Canada can be unpredictable to say the least. In some areas, it’s not unusual to see extreme cold, freezing rain, snow squalls, windstorms, and a sunny day above zero degrees all in the same week. Unfortunately, drastic changes in weather and temperature can damage your home, so it’s important to take some precautionary measures to protect it. Here are 10 common issues to watch out for this winter, plus tips to avoid damage to your home: Roof leaks. During the winter, poor insulation and ventilation in your roof can allow warm air to rise from the heated areas of your home and melt any snow that has built up on your roof. The melted snow can then drip down to the colder edge…

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Sep 29, 2020 How your location affects the cost of your insurance

There’s a lot of change to navigate when you move to a new neighbourhood, from finding the best route to work to getting to know your local grocery store. But did you know that moving could also mean a change in your home and car insurance rates? Even moving from one subdivision to another within the same area could lead to an increase or decrease in your premiums. Here are some of the reasons your insurance costs might change when you move. How does your location affect your home insurance premium? These factors could have an impact on the cost of your home insurance: The age of your home: Older neighbourhoods have older sewer systems, which could potentially put you at higher risk for a sewer…

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Sep 17, 2019 Sump Pump 101

When it comes to preventing flooding in your home, sump pumps are among the most valuable tools at your disposal, especially during heavy rainfalls or snowmelt season. Learn how sump pumps work and how you can keep yours flowing smoothly all year long.

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Sep 6, 2019 How To Prevent Flood Damage in Your Home

When water ends up where it doesn’t belong, it can do a good deal of damage — but many homeowners don’t think about preventing water damage until it’s too late. Take these 10 steps to help prevent damage to your home before it happens: 1. Seal cracks in your foundation walls and basement floors. This is a simple way to help reduce the risk of basement water damage. In most cases, existing cracks can be sealed from the inside of your home without having to dig around your foundation. 2. Install window wells and covers. Window wells, or wells dug outside a below-grade window, are typically reinforced with galvanized steel or polyethylene shields that support the earth and block debris and moisture from reaching your basement windows.

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Jul 31, 2019 How to Choose the Right Tenant Insurance Limits

One of the most common myths about insurance is that renters don’t need it. Your landlord has insurance, so you’re covered, too…right? Unfortunately, this isn’t the case. When there’s damage to your building, your landlord’s insurance will probably cover the walls around you and any major appliances that came with your unit, but it won’t cover your own stuff. This is where tenant insurance comes in — and it’s important to make sure you have the right amount of coverage in place in case of an emergency. Your licensed insurance broker will know what questions to ask you to make sure your policy meets your needs, but you can also consider these tips when setting your limits. How much personal property coverage do renters need? Personal…

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Jul 17, 2019 How to Insure Your Backyard Wedding

There’s a lot to think about when you’re planning a wedding — especially when you’re hosting it yourself. From choosing the right chair rental service to helping your guests find overnight accommodations, your to-do list is likely jam-packed, and the last thing you should be worried about is what might happen if something goes wrong — and whether or not your insurance will cover it. We’ve got the answers to your questions to help make sure your big day goes off without a hitch. Does your home insurance cover a backyard wedding? As long as you aren’t breaking any laws, selling alcohol, or disobeying the terms outlined in your policy, your home insurance will apply as normal during your backyard wedding. The main parts of…

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Apr 30, 2019 What Information Do I Need to Provide When Making a Home Insurance Claim?

Dealing with an emergency at home is never easy, whether it’s a fire, break-in, or flood. Thankfully, your home insurance policy is there to protect you and your family when you need it most. Keeping track of some important information before, during, and after an incident can make for a smoother claims process and help you feel at home again as quickly as possible. When you make a home insurance claim, you could be asked to provide any of the following information: Details about the incident: a description of what happened in your own words; whether or not the incident may have been caused by a faulty product (e.g., faulty plumbing parts or electrical wiring) — if possible, keep the faulty item for the adjuster to inspectDamage…

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Mar 12, 2019 Does Insurance Cover Flooding? Is it Considered an Act of God?

I asked  Twitter if anyone had real estate questions that they would like answered.  One question was:  “What is covered and what is not covered when it comes to insurance and flooding… and what is considered an Act of God.” I am not an Insurance Broker, so I reached out to the Insurance experts at Rhodes & Williams Insurance Brokers, and here’s their response in full! (Thanks, Brian!) Peggy Blair Sales Representative Royal LePage Team Realty ___________________________________ Hi Peggy, and thanks for reaching out with this question from your readers. It is very important for homeowners and tenants to fully understand their home insurance coverage. With changing extreme weather patterns, questions around flooding is a common question these days. So, what is covered…

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