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Insurance Terms – Explained

We have all been there, trying to get insurance for your car, house or vacation and the agent throws some insurance terms your way that you really are not sure what all of them mean. Take a look at this list for quick and simple explanations to remedy any uncertainty in the future. Insurance Terms: Adjuster An adjuster works for the insurance company and helps determine the extent of your loss or damage when you submit a claim. Claim The notification you submit to your insurance company when you experience a loss or damages to your property. Coverage This refers to the protection provided by your insurance policy. Deductible When you have a claim, the deductible is the amount that you pay out first, then your insurer covers the remaining cost. Deduction for depreciation This refers to the loss of the original value of an item due to age, wear and tear or because it’s obsolete. Depreciation A lowering in value over time, usually due to wear and tear. Ef

Favorite Travel Destinations of Canadians

When you look out the windows and see rain, rain and more rain do you dream about a vacation? Winter vacations are a nice break from the dreary winter season and a great chance to recharge your batteries. What are the favorite travel destinations of Canadians. You may be surprised to know that five countries account for more than 25 million trips internationally from Canadians. United States With vacation hot spots such as Las Vegas, Miami, Hawaii, New York, and California there is a diverse selection for Canadians looking to travel to the United States. You can choose from a warm sunny destination or a more themed destination full of events like New York. The United States had over 20 million trips from Canadians in 2015. It is the number 1 visited country by Canadians by a very large margin. While the dollar exchange rate is not something most of us will be pleased with, the fact that it is relatively close does make travel easier. With recent developments from the Trum

A Tree Fell In My Yard – What Next?

A tree fell in my yard, now what? Trees are not only beautiful but also provide many functions. They provide oxygen, homes for squirrels and birds, are perfect for swings and shade for those hot summer days. However they can be a pain sometimes as well. Raking leaves is no ones favorite thing to do and what happens if it falls down. With the wind in BC it is a real risk. A Neighbour’s Tree Falls If due to weather a tree from your neighbour falls in your yard and damages your property, whether it be yard or home, your home insurance will provide coverage for any damage up to the policy’s limit. Above and beyond the limit a discussion will then have to happen with your neighbour. No Damage Done, But Who Removes It In the same scenario if the tree does not damage anything the question is who will pay to remove it. The responsibility for this still falls on you unless your neighbour offers. At the very least a conversation should occur. A Cut Tree Damages My Yard – Doe

Halloween Safety Tips

Halloween is coming up quickly and all over neighborhoods scary displays are beginning to appear. It is a time of year that all kids look forward to. As parents we know the torment of watching them go back and forth on deciding what costume they will wear. Will it be a fireman or a super hero, a princess or a ballerina, and even a zombie or a jedi. What they wear has more to it than just the costume, safety needs to be considered. Here are some Halloween safety tips to help make this year a little safer. Plan Your Route The act of going out on Halloween is likely going to cover many streets. Take a few minutes to plan your route taking in account the length of the journey, dark unlit areas, parks and busy roads. Once you have your route ensure that it is known so that in case of emergency you are not hard to locate. Visibility When you’re heading out after dark, being seen is the highest priority in safety. Wearing light-coloured clothing, using reflective stickers or

Tips For A Safe Password

I have been involved in computers my entire life and one thing that always makes me shake my heads is what people choose for passwords. Some people put no effort into coming up with a password at all and it is dangerous. In this era where we have had Sony, Gmail and most recently Equifax hacked and the personal information of millions of users breached, why would you not do what you can to secure your information. Here are some simple tips for a safe password. Variety A secure password is like a good dinner, not all of it is one thing. Choose a combination of numbers, letters, special characters and capitals. If your password is a simple word or even two words put together you put yourself at risk of a dictionary hack or brute force attack. Take it even a step further and replace letters with numbers so that your password could be remembered like a simple word but in reality it would look like this Ch0c0l@t3 instead of chocolate. Size Matters As with many things in l

Fire Prevention Week

We are now in Canada’s Fire Prevention Week. This is an opportunity for homeowners to assess home fire safety and make sure the whole family knows what to do in the event of a fire. All home insurance policies will cover damage caused by fire and comprehensive vehicle insurance will cover fire damage to a car or truck. In addition to insurance coverage, it’s important to be fire smart, which includes installing and checking fire-safety devices in a home and creating a fire-evacuation plan. Installing fire-safety devices Smoke detectors Smoke detectors can expire, not joking. Everyone knows that smoke detectors need to be checked twice a year to replace batteries. Use that as an opportunity to also check your detector’s expiration date. Most smoke detectors on the market will normally have a life span of 10 years but some models may expire within five years so use the time when changing the batteries to check. You can normally find the manufacture date where the batteries a