Often times, I come across clients who have home insurance but don’t know what it entails. In my opinion, it’s important for consumers to be aware of what their hard earned dollars and cents are being spent on. As a result, I decided to take this time to educate you all on what coverage a typical policy for home insurance in Ottawa provides. Policies are split into the six sections shown below. • Dwelling: Costs of rebuilding /repairing your home…

When you buy a home, whether it’s your first one or you’re just looking for a change, there are a ton of details that need to be taken care of. This can sometimes be a long, and often stressful, process. You need to find a realtor; spend as much time as possible searching for the right home; then hire a lawyer to take care of all of the closing details for you. The last thing you want to worry about…

Premiums on home insurance can cost hundreds or thousands of dollars every year, but they don’t really need to be so pricey. By reassessing your coverage and taking steps to lower the exposure of the risk, you can definitely save on this. Lower premium does not mean cutting corners on your policy, you have to keep in mind that when your home get destroyed by a fire, you as the owner may not have enough money to rebuild it. The…

Whether you purchase it online or with a broker; it is very important to understand the coverage of your Homeowners policy.  Homeowners Insurance automatically protects owners, furnishings and other personal items against certain perils. Usually, damages caused by natural disasters, or loss of art or jewellery over a certain amount is not covered. Consult your broker so you can have a better understanding on the exceptions of your policy in case it applies. Keep in mind that the value of…

It often seems home insurance is a useless expense for most, especially if it comes along with the expenses of owning a house. Allow me to take it step by step the essential and worth of insuring your home. What is Home Insurance? Home Insurance is an insurance policy that you purchase to provide coverage on the cost of replacing or rebuilding your home and its contents in the case of fire, damage or theft. It also covers your liability…

Cottage insurance is like home insurance.  Homeowners insurance has comprehensive coverage and will cover all risk except for exclusions to your policy. A year round winterized cottage can be insured as a Secondary Homeowners. Seasonal cottages are often written on a Named Peril or Broadform Policy.   The most common Named Perils include, Fire, Theft, Lightning, Explosion, Hail or Windstorm, Vehicle Damage. The most common reason for loss or damage at the cottage are wind storms. If there are lots of trees on your property, you…

This is a guest post from Michelle Ziniuk. Michelle is a Broker who strives to provide you with the Ultimate Real Estate Experience. I am a strong advocate for engaging the right expert for the right situation. My primary job is to educate my clients which ensures  a well planned experience and ultimately a  successful transaction  between all parties. Entering the real estate market is big endeavour for any purchaser – I know this first hand. Most of my clients begin the…

It’s cottage season, which means 2 things. First, You need cottage insurance, and second, you need to be extra safe when driving north. Check out this video from Bryan for some quick tips. image:

Do you have home insurance? It’s very important to have your valuables protected, so if you don’t have home insurance yet, you should highly consider looking into making it a priority.  

Summer is the time when many Canadians take advantage of the warmer weather time to renovate and upgrade their homes.  If you’re planning a renovation make sure you inform your insurance company of your plans to ensure that your home insurance policy remains in effect during this time. Certain types of alterations to your property may affect your insurance policy, and if something should happen you may find that your policy does not cover everything you expected it to cover. Here are…

Are you a plumber, electrician, welder, construction worker…etc? Well did you know there are some great programs out there for insurance coverage? At TSG we thrive on keeping things fresh and different, which is why we offer an amazing program specific to contractors. Check us out and see what we’re talking about. If you want to find out more, connect with one of our fantastic advisors.

When you buy a home, whether it’s your first one or you’re just looking for a change, there are a ton of details that need to be taken care of.  This can sometimes be a long, and often stressful, process. You need to find a realtor; spend as much time as possible searching for the right home; then hire a lawyer to take care of all of the closing details for you. The last thing you want to worry about is purchasing…

It is very important to make sure that your home insurance Ottawa is protected from all possible losses, especially when they are avoidable. A tenant who collects items excessively puts other residents at risk. In the event of a fire, it can put the building and neighbors at risk too. Dealing with a tenant who hoards should be part of your building maintenance plan. What is hoarding? Hoarding is a psychological disorder characterized by the excessive acquisition and inability to throw…