Special Limits: Limits on Your Home Insurance Contents

Elliott Insurance Services    September 11, 2017
A woman reading her special limits on her policy.

“Special limits” is a fancy term to indicate that there are limits or caps put on certain contents in your home insurance policy in the event of an insurance claim. Not knowing which limits could affect you could be devastating to your way of life if you ever experience a claim on your home, tenants, or condo insurance policy. Unfortunately,… Read more »

Should I Tell My Broker?

Elliott Insurance Services    July 26, 2017
Meeting with Insurance Broker

Knowing what information will affect your insurance policy is important to not only keeping your insurance policy in good standing, but to also have a chance at lowering your premium. Everyone knows the basic things you should keep your broker up to date on such as possible claims, auto tickets, address changes, bank changes, etc. It is possible that you… Read more »

How to Insure a Heritage Home With a Plaque

Elliott Insurance Services    June 21, 2017
Historical House Insurance

Older homes need special care not only physically, but in terms of insurance as well. If your house has a plaque or is over a century old, you may have a hard time finding insurance. The insurance industry doesn’t dislike older homes, but the municipalities will have special bylaw restrictions on repairing or rebuilding the home with a plaque that… Read more »

Fire Marque – An Interview with Alec Harmer – HTM Insurance President

Elliott Insurance Services    May 17, 2017
Home Insurance - Fire Department Charges

Getting a bill in the mail for a fire department call may be a bit unsettling, but that is exactly what is happening to homeowners all over Canada. At first there is a shock of getting a bill in the first place, and then there is a serious concern when you realize it is not from your municipality or local… Read more »

What Are Accident Benefits?

Elliott Insurance Services    April 5, 2017
Ontario auto insurance accident benefits

You have most likely heard on the radio or even on the TV about the changes to the accident benefits on your Ontario auto insurance policy. The changes took place in June 2016 for all auto insurance policies in Ontario. Your own broker might have even sat you down and talked to you about buying up the accident benefit limits…. Read more »

Where Does Your Boat Insurance Cover You?

Elliott Insurance Services    March 22, 2017
Boat insurance navigational limits

You insured your boat the way your insurance broker recommended with a specialty market. You made sure you have coverage for “When Muskrats Attack”, but now you find out that you can’t take your boat where ever you want to. Marine policies that are offered today have boundaries for where your boat is covered and where it is specifically not… Read more »

There is More to Life Insurance Than Just Death

Elliott Insurance Services    March 9, 2017
life insurance

When people hear the words life insurance they tend to think immediately of death.  The problem with this is that no one likes to think of their death.  Due to the fact we don’t want to think about our death, we also don’t like to think about life insurance.  Unfortunately, we are missing an opportunity by avoiding this hard subject. … Read more »

Aluminum Wire and Home Insurance

Elliott Insurance Services    February 7, 2017
Aluminum Wire and Home Insurance

  Perhaps you have found your dream home; you made an offer and hired a building inspector.  When your building inspector tells you that your dream home has aluminum wiring, you now start a long process to make sure your new home can be insured and is safe.  In this article, we will dive into the world of aluminum building… Read more »

10 Common Automobile Insurance Myths

Elliott Insurance Services    January 17, 2017
Insurance Myth or Fact

In a perfect world, automobile insurance would be uncomplicated and it could be easily understood by everyone. Let’s face it however; auto insurance can be confusing and difficult to understand. It doesn’t help that there are a number of misconceptions associated with obtaining car insurance.  Let’s put the rumours to rest and discuss some of the most common myths.  Please… Read more »

What is Cyber Insurance?

Elliott Insurance Services    December 23, 2016
Cyber insurance - cyber liability

Cyber insurance is becoming the new buzz word in the insurance industry and its showing no signs of slowing down.  Computers are targeted at businesses large and small every day.  If you keep any customers personal information, employees information, e-commerce transactions, or hold any important data on your computers that a hacker could use; you may want to consider reading… Read more »