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FAQ
Your child is away attending school, is he/she covered while away from home?
lf your children normally reside with you, but are away from home attending school, your
home insurance policy will protect their belongings. Your policy automatically extends
its contents coverage to protect your children’s belongings, up to a maximum dollar
amount, for example $5,000.00.
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Water Damage/Sewer Backup
Did you know water damage caused by flood, underground water or seepage through cracks in your foundation may not be covered under your home policy?
Are you aware that you may be able to purchase additional coverages, also known as "endorsements“, to protect you against some of the above excluded perils. Call our office for more information.
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Vacant Property
lf you are planning a winter vacation for more than four consecutive days and the inside plumbing freezes causing extensive damage to your property. Are you covered?
Did you know that you may be able to purchase some additional coverage to protect you?
To prevent this, you must drain the plumbing or arrange to have your home inspected on a daily basis by a friend or family member to ensure that the heating is maintained.
Your home is vacant for months at a time, did you know you must report this to your insurance company because this changes your coverage.
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Mysterious Disappearance
You have a diamond ring valued at $10,000.00. ls it scheduled on your policy or do you just have the policy limits for jewellery? You lose the ring and are not sure how or where, are you covered? On a scheduled item you would be covered for the full amount insured. Your policy limits may only be $5,000.00 subject to your deductible.
For more information on the coverage available and further solutions, please call our office.
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Accident Benefits
Did you know when you are in an automobile accident, your accident benefits will only be available after any primary coverage that you may have pays your expense.
To ensure you have the best accident benefits available to you, please call our office.
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Hit & Run
Should you park your vehicle and on returning to the vehicle find it’s damaged, will you be covered?
If you have no collision on your policy, there is no coverage.
If you have collision coverage, it is covered but it may be considered your fault. Find out how to avoid this, call us.
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Renting a Vehicle - OPCF 27 Endorsement
Planning a vacation in Canada or the United States.
You will need a rental vehicle, did you know your automobile policy does not automatically cover you.
The OPCF 27 – Liability for Damage to Non-Owned Automobiles provides physical damage coverage to vehicles that you may operate but do not personally own, such as a vehicle that you have rented or borrowed - subject to a deductible.
This endorsement may be purchased at a minimal charge.
Did you know once you purchase this coverage, you do not need to purchase the Rental Company’s insurance.
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Waiver of Depreciation (OPCF 43)
You have purchased a brand new vehicle, did you know the minute you drive it off the car lot it has already depreciated.
There is coverage that you can purchase to prevent your vehicle from depreciating for 24 months. That’s right, if you are in an accident in the 23rd month from the purchase date your vehicle has not depreciated $1.00. You will receive the full amount of the purchase price if the vehicle is totalled.
This coverage is very inexpensive and available to all brand new vehicles, call us for more information.
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Accident Waiver
Are you protecting your current driving record?
Did you know if you have that fault loss and do not have the accident waiver protection, your driving record will change and your premium will increase.
By purchasing this coverage, your first at fault loss is protected. For more information, call us.
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Discount
Are you getting all the discounts offered?
Some companies may offer discounts if your yearly vehicle mileage is low or if you have an anti-theft device in your vehicle. Each insurance company applies the discounts differently. Call our office to make sure you are getting all the discounts available for you.
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