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Saturday, 29 March 2014

How Can You Prevent a House Fire?



Fire, as we all know, can be extremely damaging. Not only can it ruin houses: It can also ruin lives. As a home owner, it is imperative that you learn how to properly protect yourself against a house fire. While peace of mind begins with a Red Deer home insurance policy, security begins with proper knowledge. So without further ado, here is how you can prevent a house fire:

1. Make sure that your smoke alarms are updated and work properly. According to the Canada Safety Council, you need a smoke alarm on every level of your house. They also recommend that you test them on a monthly basis.

2. While cooking, take adequate precautions. Did you know that kitchen fires are one of the most common types of fire? Try to never leave the stove unattended while cooking. Also pay attention to items around the stovetop and your clothes as well. You should always keep a fire extinguisher close to the kitchen.

3. Be careful when smoking cigarettes. Remember that a mistake can happen in a fraction of a second. You often hear stories on the news of people who have burned their house down with a simple cigarette. How do you know that it can't happen to you as well?

4. Keep your space heaters in check and away from objects. After cooking, the second most common cause of house fires is heating. Ensure that your portable space heaters have a few feet of clear space all around them. Do not, under any circumstance, place window curtains or any other type of draperies around them.

5. Make sure that your electrical cords are in good shape. It only takes one frayed electrical cord to start a fire.

6. Finally, be careful around candles. Do not leave a burning candle unattended in a room, and ensure that you are using proper candleholders.

Do you have a question related to insurance policies? Click here for more information: www.sharpinsurance.ca.

Wednesday, 26 March 2014

5 Tips for New Drivers



Are you a new driver? Have you been refused coverage? Click here for more information: sharpinsurance.ca/medicinehat-new-driver-car-insurance.php

Driving can be stressful and we completely understand that. We all have been through the stages of being a new driver. As such, we know quite well the importance of being prepared. Did you know that, according to the National Highway Traffic Safety Administration, new drivers are more likely to have an accident within their first two years of driving than any other time in their lives?

Those first two years should therefore be a time of learning. Prudence is they key, and so is a knowledge of what to expect. Here are 5 tips for new drivers:

1. Respect the rules. Whether it's wearing your seat belt at all times (this goes for all drivers) or not speeding, respecting those rules is absolutely crucial. Not only does it promote safety in drivers: It also helps new drivers develop good habits that will follow them for years to come.

2. Know your limits. Just because you were able to receive your driver's license does not mean that you are ready to face every challenge out there. As a driver, it is important that you know your own limits. Don't drive at night if you don't feel comfortable. Don't go on a long road trip out of the province yet. Be patient and keep on learning.

3. Keep the distractions at bay. Sometimes, distractions can be too much, especially when you are a new driver. Accidents can happen in a few seconds, and sometimes all it takes for one to happen is a second or two spent trying to adjust the volume of the music. Try to keep those distractions at bay and concentrate on the road in front of you instead.

4. Keep your two hands on the wheel. We know that you've seen it before, but it's a not reason for you to do it as well. Keep your two hands on the wheel at all times. (That includes you too, experienced drivers.)

5. Obtain a new driver insurance policy. As the saying goes, it's better to be safe than sorry. Accidents do happen, and sometimes it's not even your fault. Having proper coverage allows you to concentrate on healing your injuries and think about going back on the road... without having to worry about money at all. Visit Sharp Insurance for more information.

Sunday, 23 March 2014

What Does a Builder's Risk Insurance Policy Cover?



Are you a contractor in the construction industry? Are you covered under a construction insurance policy? If you are not, then we encourage you to visit SHARP INSURANCE and request a free quote today.

As a building owner, it is your responsibility to ensure that your building is properly covered under an insurance policy. The best way to do so is to apply for a builder's risk insurance policy. The latter is a kind of property insurance that is often referred as a "course of construction" policy since it covers the building for a period of time ranging from 3 to 12 months (or until the building is done).

Since most builder's risk policies will cover numerous stakeholders, the building owner is generally the person in charge of acquiring one (unless specified otherwise). It is not uncommon, however, for building owners to put the general contractor, architect or even the project manager in charge of obtaining proper coverage.

So what exactly does this policy cover? Quite simply, it pays for any damage that is incurred (up to the policy's limit, of course) while the building is covered under the policy. Such damage include: Fire, vandalism, explosion, theft and a number of other natural disasters. Depending on what you are looking for, this policy can cover either the structure only or the materials as well.

It is important to note, however, that this policy (like any other) does not cover every single possibility. As an example, most policies do not cover earthquakes. Fortunately, you can obtain additional coverage through endorsements. Before deciding on which one you might need, we recommend that you talk to your insurance agent. For more information visit: http://sharpinsurance.ca

Wednesday, 19 March 2014

Are You Paying Too Much on Your Motorcycle Insurance Premiums?



Are you looking for affordable and reliable motorcycle insurance coverage? Visit Sharp INSURANCE to see what we can do for you.

Did you know motorcycle insurance rates are directly affected by numerous factors (some of which are completely within your control)? If you find yourself paying a hefty amount of money each month, here is what you need to know (and what you can do to lower those rates):

Do you have a clean record? If your answer is no, then this might explain your high premiums. Like car insurance companies, motorcycle insurance companies charge a person more if they see them as a bigger liability risk. You should also know that motorcycle drivers tend to pay higher premiums since motorcycles are generally considered to be more dangerous than cars.

Take a course. If you are a new rider, this might be a good idea. Now only will it help you gain more experience: It will help lower your rates as well.

Is your deductible too low? Your deductible is the amount of money that you need to pay when you want to make a claim. Since it is a one-time payment, you are guaranteed to save money each month if you make it higher... assuming that you are careful enough, that is.

Do you have collision coverage? While we only recommend this if there is absolutely no alternative to it, dropping your collision coverage (if you have any) can dramatically lower your insurance premiums. Be warned, however, that you will not be covered at all in the event of a collision if you do this.

Find the best insurance policy. Lastly, the insurance policy itself may affect your rates. Is your company reliable? We recommend that you request a free quote from SHARP INSURANCE today. Click here for more information: www.sharpinsurance.ca

Saturday, 15 March 2014

How Can a High Risk Driver Save on Car Insurance?



Have you been labelled as a high risk driver? Are you looking for insurance coverage? If you answered yes to those two questions, then we encourage you to request a free quote today from SHARP INSURANCE.

Nobody wants to be labelled as a high risk driver. Not only does it look bad on a person's driving recordit also makes their insurance rates more expensive.While there is no escaping this part (at least for a few years), there are fortunately a few things that can help lower a high risk driver's rates.

High risk drivers looking to pay less are usually recommended to raise their deductibles. A deductible, as you probably already know, is a specified sum of money that an insured person is asked to pay before their insurance company agrees to pay their claim. By raising their deductiblesomething that high risk drivers and regular drivers alike are only required to pay aften an accidenta person is guaranteed to save money every month... unless an accident occurs, that is. Which brings us to our next point...

If a person wants to bring down their rates for good, keeping a clean record is the best way to do so. Sure, it takes a few years. In Canada, insurance companies are only allowed to see the last three years of person's driving record and demerit points take two years to disappear. But at the end of the day, nothing is more important than learning from past mistakesespecially when such mistakes could potentially endanger your life and the lives of other people.

Finally, people looking to lower their insurance rates are encouraged to shop around for companies offering high-risk insurance policies. For more information, visit www.sharpinsurance.ca.

Wednesday, 12 March 2014

Are Newer Cars Truly Stolen More Often? (Myth)



What can you do to protect your vehicle? Begin by requesting a free insurance quote today. For more information, click here: http://sharpinsurance.ca/medicinehat-car-insurance-ab.php

In the insurance industry, there is a particular myth that seems to endure throughout the years. The myth states that newer automobiles are the preferred targets of thieves. While at first glance there is absolutely no reason why this should be incorrect—after all, newer cars tend to be prettier and faster than older cars—a deeper look into the matter actually reveals this myth to be false.

According to the Insurance Bureau of Canada (IBC), the 10 most stolen cars of 2013 are as followed:

1.2000HONDA CIVIC SiR 2DR
2.2006CHEVROLET TRAILBLAZER SS 4DR 4WD SUV
3.2002CADILLAC ESCALADE 4DR 4WD SUV
4.2005CADILLAC ESCALADE 4DR 4WD SUV
5.2006FORD F350 SD 4WD PU
6.2005CADILLAC ESCALADE ESV 4DR AWD SUV
7.2006ACURA RSX TYPE S 2DR 2D
8.2007FORD F250 SD 4WD PU
9.2007FORD F350 SD 4WD PU
10.2003ACURA RSX TYPE S 2DR 2D

As you probably noticed, the most recent car on this list dates all the way back to 2007—that is nearly seven years ago. If you are wondering why that is so, the reason is actually quite simple.

The older the car is, the easier it is to steal it. Older cars had, evidently, older security systems. Because they are so old, owners tend to believe that no thief would ever want them. This is why many of them don't bother updating their car's security system or securing it with the latest technology.

What's more, people tend to think that thieves steal cars to actually keep them. This, too, is false. Thieves—professional ones, that is—steal cars for the parts. By selling those parts, they can make a considerable sum of money. Because manufacturers often keep parts intact in a variety of models—including newer ones—stealing a 2005 Cadillac then becomes even more desirable when thieves realize how flexible its parts are.

Please be aware, however, that nothing truly deters a good, experienced thief from stealer a car—especially if that particular thief is aware of the latest tricks. If you own a newer car model, you should still use every bit of caution. For more information on how to prevent automobile theft, you are encouraged to refer back to this article previously posted by Sharp Insurance.

Saturday, 8 March 2014

Lethbridge Home Insurance—What Does a Home Insurance Policy Cover?



Do you own your house? If you answered yes to that question and your home is not currently covered under a Lethbridge home insurance policy, then we highly encourage you to read this short article that Sharp Insurance has prepared for you.

When people find themselves shopping for the best home insurance policy, one of the most common questions that they would like to have an answer to is: What does a home insurance policy usually cover?

While this answer tends to vary from insurance company to another, there are three main components to a home insurance policy that rarely tend to change.

The first component is, evidently, the house itself. If you are covered under an insurance policy, then you do not have to worry about paying for general repairs and structural repairs. Keep in mind that the cause of loss has to be covered, though. As an example, your insurance company might cover damage caused by fire but might not cover damage caused by a natural disaster.

A home insurance policy also generally provides personal property coverage. This is to protect your most important possessions in the event of a theft, or once again, a loss that is covered under the policy.

Finally, this type of insurance policy also provides you with general liability coverage. This component is particularly useful if a member of your family often finds themselves having to face lawsuits. Quite simply, it protects your assets and covers your defense costs in the event of a lawsuit.

If you have any other questions that you would like to have answered, you are more than welcome to visit our website or to give us a call today.

Wednesday, 5 March 2014

Lethbridge Commercial Insurance—What is a Commercial Property Insurance Policy?



In a previous article, Sharp Insurance, a company dealing in Lethbridge commercial insurance policies, briefly discussed what a commercial insurance policy entailed. In another article, we discussed one of the main three main policies associated with this type of insurance policy—namely, the commercial liability policy. You can find the article by clicking here.

Today, Sharp Insurance will discuss the second most common type of commercial insurance policy in more details—the commercial property policy. If you own a company but it is not covered under this policy, we hope that this article will be useful to you, and maybe change your mind.

Much like a home insurance policy, the commercial property insurance policy covers a business' property. The latter protects a property from most kind of damage. If anything happens to your business' property—it does not matter whether it's as a result of a theft or a natural disaster—if you are covered under this policy, you will not have to pay one cent out of your pocket.

Useful, no? A commercial property insurance policy can save you lots and lots of trouble—especially when you wake up one morning to see that your office suffered a break-in during the night, and that your most expensive possessions are gone. Because that's right... this type of policy also covers your furniture and equipment. So instead of panicking and thinking of going bankrupt the next day, you can just keep calm and call your insurance company to fill out a claim.

Do you really need any more reason to fill out a free insurance quote today? We don't think so.


Monday, 3 March 2014

Red Deer Car Insurance—How Much Car Coverage do you Need?



When shopping for a Red Deer car insurance policy online, there are a few things to keep in mind. One of these things that seem to confuse many people is the amount of coverage that their car will need.

While there is a minimum amount of car coverage set by every Canadian province, the answer is that no one truly knows how much car coverage you will need. The latter can depend on many factors, three of which we will examine today. Remember that choosing the amount of car coverage that your car will need does not need to be complicated. It is, however, important that you decide the proper amount. Here are the three points that should remember:

1. Your vehicle's value. Is your vehicle worth a lot? Answers may vary, but this website never lies. Remember that paying more on an annual basis than your car is actually worth is not a good idea, which brings us to our next point...

2. Your budget. Once you have figured out how much your car is worth, the next step is to figure out what you can afford. If, at this point, you still remain unsure of how much car coverage you need for your vehicle, it might be wise for you to rely on the help of professionals.

3. Experts' advice. At the end of the day, nothing is better than talking to experts about insurance policies—especially when it concerns car coverage. If you live in the Red Deer area and are confused about the process of insuring your car, you might want to give Sharp Insurance a call or visit our website and get a free insurance quote today.