- Does my homeonwer's insurance policy provide replacement cost coverage on my personal property?
- In most circumstances Yes. Our homeowners packages provide replacement cost for affected items once they have been replaced. However some policies may be written on a "Actual Cash Value" form - we strongly recommend you discuss this with your agent
- Am I covered if my sump pump fails and water enters my basement through the sump hole?
- Not necessarily. Sump and Sewer back-up coverage is not written into every policy. Please check with your agent to confirm if this covergae applies to you and want limits there may be.
- If my home is broken into and jewellery is stolen am I covered.
- In most situations Yes - however limits might apply. Our policies provide specific limits of coverage for certain items, such as jewellery, furs and coin collections in the event of a theft. We urge you to speak with your agent to discuss these limits and whether additional coverage through our" Personal Property Floater" is right for you.
- If I own a small boat and motor do I have coverage through my Homeowners Policy?
- Yes. Our Homeowners policy provides coverage of up to $1,000 for watercraft and equipment. However there are some restrictions regarding the perils of wind and/or hail. Be sure to discuss this with your agent.
- If I convert an old school bus to use on the farm is it covered for damage?
- Generally yes it would be, however the item must be specifically scheduled and used for farm operations only. Please contact an agent for additional information.
- What should I do if one of my animals is killed by lightning?
- It is important to notify us immediately should this occurr. We will give you additional information on the removal of the animal and the determination of the cause of death.
- If my business suffers a loss I'm I covered for my loss of income?
- In most cases coverage for business interruption is available. You should confirm with your agent what amount might be available and under what circumstances this coverage would apply.
- What should I do if I'm injured in a car accident?
- First seek the appropriate medical intention and then contact your agent as soon as possible for some time limits might apply. They will direct you to a qualified adjuster who help determine the proper course of action for you.
- If my daughter receives her G1 license do I need to tell my agent?
- Yes. Once your son or daughter has attained their G1 license they need to be added to the policy. There is no additional charge to add them to your policy.
- When my son's drivers license class changes what should I do?
- Once your child has graduated from either their G1 you need to speak with your agent so that the proper changes are noted on your policy.
