Category Archives: Home Insurance

Should I Tell My Broker?

  
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

  
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

  
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 »

Aluminum Wire and Home Insurance

  
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 wire… Read more »

Why Choose an Insurance Broker?

  
Young couple with Insurance Broker

There has never been a more convenient and easy time to buy insurance as there is today.  There are insurance brokers, agents, direct writers and online only companies.  With so many choices out there, what are the benefits to having an insurance broker in today’s world? We are obviously a little bias when it comes to this topic, but if… Read more »

How to Save Money on Your Home Insurance

  
Save money on home insurance

Let’s face it, everything is more expensive now, and that includes your house insurance. Even your brokers and agents feel the pressure of higher insurance premiums. When making your budgets this year, consider these money saving tips on your policies. Multi-Policy/Combined Discounts Soft Credit Check Higher Deductibles Home Updates Discounts (alarm, backup generator, non-smoker, etc) Correct 911 Address Home Details… Read more »

What’s With This Water Stuff?

  

Home insurance was first introduced in order to protect homeowners against fire. In fact, the beginning of fire insurance can be traced to London, England in 1666 when a fire broke out, destroying nearly the entire city. Over time, policies have evolved to include additional coverages for things such as wind damage, theft, etc. We are now on the verge… Read more »

Protect Your Home Against Water Damage

  

With snow melting and April showers, we run the risk of water entering our homes. Water damage can be messy, expensive, and may not be covered by your insurance.  With spring around the corner, we thought we would provide a few helpful tips for both inside and outside your house to help protect it against expensive water damage. Inside your… Read more »

Heading South? What every homeowner needs to know before vacation.

  

Many Canadians look forward to winter. Not only does it mean skiing, skating and snowmobiling, but it often means winter vacation. Whether you’re headed south, or to a destination ski vacation, there is one very important item which may void coverage on your homeowners, tenants or condo insurance. Even though every company offers their own specific wordings, the intent of… Read more »

How Renters Insurance Could Save You Money

  

One aspect of insurance you don’t hear on the radio or see on the TV is the renters/tenants packages. They’re not as glorified, but just as important as homeowners insurance policies. When you rent an apartment, or a house, it is not just your contents insurance you need to think of. The often overlooked aspect of tenants insurance is the… Read more »