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 »

Going Away This Winter? OPCF 16 – What You Should Know

Elliott Insurance Services    December 14, 2016
OPCF 16 - Snowmen on beach

Many insurance companies are now requiring that their insureds (customers) who want to remove coverage on their vehicle for an extended period of time, apply an OPCF 16 (Suspension of Coverage) endorsement to their vehicle.  It may sound confusing at first glance, but this change is a benefit to you. What is an OPCF 16 Endorsement? The OPCF 16 endorsement… Read more »

Winter is Coming – Classic Car Edition

Elliott Insurance Services    November 30, 2016
Classic Car in Snow

With winter starting to tease its arrival this year, we are revisiting our “Winter is Coming” series of blog posts.  If you missed any of our previous posts about getting ready for winter, you can find them all here. When winter is approaching in Canada, everyone will be scrambling to protect their high value assets like their cars, homes, and… Read more »