Home Insurance

High Value Items

Knowing the value of the contents of your home is vital to being properly insured. Your broker can help you find the tools and resources you need. Take the time to ensure that your most precious things are protected…Continue Reading

Does Having A Home Business Affect My Insurance?

The short answer is yes, and the best way to know what is covered is to talk to your broker. More and more people are starting home-based businesses, for everything from marketing home-made products to keeping a home office for a consulting business. From an insurer’s perspective this adds new types of risk to your home, and therefore, may require additional insurance…Continue Reading

How Do I Choose The Right Policy For My Home?

Make sure you purchase a policy that reflects the unique qualities of your home, its contents and the people who live there. Your home should be insured from the moment you take legal ownership – even if it is under construction. Your broker’s expertise is particularly useful at this stage when you really need to match policy features with needs…Continue Reading

What To Do If My Home Is Unoccupied?

Your insurer considers an unoccupied dwelling riskier than an occupied one. Depending on how long you are away from your home, you need to make arrangements to ensure your dwelling is checked regularly and you may need to inform your insurer…Continue Reading

How Does My Policy Really Work?

Contains definitions that explain a few of the major building blocks of home insurance…Continue Reading

 

Why are insurance valuations on homes increasing?

Most comprehensive homeowners’ policies guarantee the replacement of your home and contents in the event of a loss. In order to provide that guarantee, the value of your home must be determined at the time the policy is purchased, and the policy must adequately cover your home to that value.

Inventory

Why should you take an inventory of your home or apartment? An up-to-date inventory will help you to:

  • Purchase enough insurance to replace your possessions
  • Get your insurance claim settled faster

Consider adding pictures of your possessions, which can be done easily with a digital camera or walk through your home or apartment and videotape the contents. Remember to open closets. One advantage of videotaping if that you can narrate what you are filming.

And remember to keep your inventory away from your home.  (home_inventory_form)

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