Can you remember how many music CD or DVD movies you have in your collection - and their titles? Creating a video record of your what you own helps determine your insurance needs and makes the process of making a claim much easier. (Footage coutesy of iii.org)
If you were given minutes to collect any important items and evacuate your home, what would you take with you?
This isn’t just an exercise; it’s a real dilemma for many B.C. residents threatened every year by fires, severe weather, environmental hazards or other disasters.
The summer months are peak times for moving. Many families with school-age children prefer to move between school terms; summer weddings also lead to changes of address. And if a move also involves renovations, the warmer summer months may be more amenable. When it comes to your home insurance, a move is a material change of risk, and requires an adjustment to your coverage. This is the case even if you are a tenant moving from one rental property to another and the possessions you're insuring will remain the same.
Odds are as high as 1 in 30 that robbers will try to break into your home. Burglars are opportunists – they look for easy entry. A home alarm will reduce those opportunities. Installed alarms can also, in some cases, mean discounts on your home or tenant insurance.
We can all feel vulnerable at times, but a loss can be particularly severe for seniors. If you have elderly neighbours, get to know them and keep an eye out for them. If you see anything that worries you, call the police.
As the host or hostess of any party, you want to see people enjoying themselves, but if they have too much fun, especially when it comes to their consumption of alcohol, you could be held legally liable. In fact, you could be held legally liable for any damage or injury caused to a person or place where alcohol has been deemed a contributing factor, according to the Liquor Distribution Act and the Liquor Control and Licensing Act.
The best insurance is an insurance broker. With hundreds of companies providing insurance to consumers in Canada, and each offering its own unique coverage, comparing coverage can be a time-consuming job. So how do you find the “best” insurance?
No one knows how they will react in the event of a robbery. But you can help keep your people and business safe through staff training and reviews that drill in instinctive responses. This will help to ensure safety and reduce chaos.
During a Robbery
For every two people who die in an auto collision where they were not wearing a seatbelt, one would have lived had they taken the time to buckle up. A higher percentage of female drivers wear seat belts (93.9%) than male drivers (89.8%) in Canada.
