Now that the last of the leaves are off the trees and we have all settled back to the routine that fall has brought, this is a great time to give some thought to basic maintenance that can help you reduce the chances of having damage occur to your home. You may already be aware that all insurance companies extend discounts for having years free from claims. And one of the companies we represent even offers a disappearing deductible. This means, in the event of a claim, you could be in line for not having to pay a deductible.
How does home maintenance play into this? By keeping on top of regular repairs and maintenance of your property, you could help prevent something from happening that may be more catastrophic. For example, by regularly regularly removing snow and ice from your walkways and exterior stairways, you could prevent someone from injury from a fall and a potential liability claim. Keeping snow load off your roof will prevent ice damming under your shingles and subsequent water leakage from your roof.
Looking out for the small stuff means your insurance coverage is there when you need it most. Call your broker for more information about protecting your claims free discount.
"Where Will This Stuff Go?"
Are the kids back from university for the summer? Where will all their "stuff" go until fall rolls around again? Did you lose your parking spot in the garage or are you choosing offsite storage? If you are putting items in storage until the halls of higher learning reopen, you need to know that not all insurance company policies treat items in storage the same way. Some companies automatically extend coverage, others require notification and extend coverage with no additional premium, while others will require an endorsement to your homeowners policy. To know exactly how your policy covers these items, be sure to call your MIG broker. We can help interpret policy wordings to ensure you have the coverage you need. That's one less worry this summer!
MIG offers many excellent personal insurance products to meet your needs for:
- Homeowners
- Tenants Packages
- Condominiums
- Mobile Homes
- Cottage and Seasonal Properties
Our licensed brokers will work with you to determine your individualized insurance package. By conducting a comprehensive review and using current valuation programs, we can establish your insurance requirements.
Many of our insurance company partners offer discounts that can make quite a difference to the cost of your insurance. These include discounts for mature homeowners, the age of your home, alarm systems, your claims free history, mortgage-free and non-smoker status. Contact us for more information about reducing the cost of your insurance.
For more detailed information, please contact us at info@miginsurance.ca or complete the "request a quote" form or access our LIVE CHAT by clicking the icon. We will be happy to provide an estimated premium quotation for your home, auto or commercial insurance with no obligation.
