SHARP HOME

Wednesday, 30 December 2015

Does Your Edmonton Business Need Commercial Property Coverage?




To safeguard the future of your company, you should never underestimate the importance of commercial property insurance coverage. Regardless of whether you rent or own your building in Edmonton, work from home or even lease your premises, this type of insurance policy has the potential to save you thousands of dollars on repairs.

A commercial insurance policy covers your company’s building, furniture, equipment and other valuable property such as documents owned by your business. This coverage generally extends to cover losses caused by fire, vandalism and numerous natural disasters. Most insurance companies such as Sharp Insurance allow you to tailor the policy to suit your needs. How much you will pay will depend on a few factors, among them the type of business that you are operating, how many employees work under you and what type of building your company owns or rents.

Why Does Your Business Need Such Coverage?

Imagine waking up one morning to find out that your office suffered a break-in during the night. With a sinking heart you realize that your computer and other expensive possessions are not the only things missing: All of your documents are also gone.

At this point, most people have two options. They can either choose to panic and contemplate bankruptcy, or they can choose to stay calm and call their insurance company to file out a claim. While policyholders will always turn to the second option, others, more unfortunate ones will have no choice at all. For those people who did not have commercial property coverage, this break-in could prove to be fatal to their business.

The future of your company still remains in your hands. So let us ask you one question: Why risk it?

Saturday, 26 December 2015

Will My Jewelry Be Covered By My Calgary Home Insurance Policy?


One of the most common questions related to Calgary home insurance coverage is this one:

Will my jewelry be covered by my home insurance policy?

Let's be honest: Most people (even insured ones) would be unable to answer this question with certainty. This is because most people don't even know what their insurance policy covers and what it doesn't. Surprised? Well if you are, it can only mean one thing -- that it's not too late for you. Too often, people who are not aware of what their policy does not cover find themselves in deep trouble when they realize that a peril that they thought was insured turns out to be... not insured.

Of course, stolen or damaged jewelry is not exactly a tornado... but you get the idea. Now to go back to the original question. Will your jewelry be covered by your home insurance policy in Calgary? Unfortunately, there is no "one-size-fits-all" answer to that question because much like insurance policies vary, so do insurance companies.

Generally speaking though (and notice the "generally speaking" part of this sentence) you can expect your Calgary home insurance policy to cover stolen or damaged jewelry. But here's the thing: Don't expect it to cover everything, and certainly expect that coverage to run out sooner than later.

We we recommend that you do is simple. First make a detailed inventory of the items that you would like to be covered under your home insurance policy (jewelry or not) and then contact your insurance policy to learn whether or not those items are in fact covered under your policy. If they are not, consider purchasing additional coverage to fit your needs.

Good luck!

Wednesday, 23 December 2015

Where to Request a Free Lethbridge Car Insurance Quote


Are you a new driver or soon-to-be new driver in Lethbridge? Then chances are that you already are aware that hitting the road in Alberta without being covered under a car insurance policy is illegal. While this might sound a bit troublesome at first (and we don't blame you for thinking that way), the truth is that car insurance coverage can and will get you out of trouble if you ever need it to. 

Road accidents happen on a daily basis in Canada, and they happen in the blink of an eye. As a new driver, your responsibility is to keep the roads as safe as possible, and it starts with you being covered under a Lethbridge car insurance policy.

You will soon come to realize that many insurance companies are more than willing to offer you their services. As a new driver, how do you sift between the trustworthy companies and the... not-so-trustworthy ones?

It's simple, really: You request free insurance quotes. Yep, you read that right. And you request as many as possible! (Okay, maybe not all of them... but you get the idea.)

Here at Sharp Insurance we offer free Lethbridge car insurance quotes to people like you. Requesting yours today will give you the opportunity to learn more about the policy that we offer, among other things. It will also give you the opportunity to compare the (hypothetical) cost of purchasing your coverage from us with purchasing it from another company in Alberta. (Just remember that high costs do not always correlate with quality, and vice versa.)

For more information we encourage you to browse through our main website before requesting your free quote from us today.

Saturday, 19 December 2015

Are Teenagers The Only New Drivers in Alberta?


Being a new driver in Alberta can be rough. In between learning the rules of the road and learning how to actually drive, you also have to take care of these pesky insurance policies. As you already know by now, being covered under a car insurance policy is mandatory for all drivers in Alberta. In other words, it is illegal to operate a car without being insured by one form of car insurance coverage or another.

Discouraged yet? You shouldn't be. Here at Sharp Insurance we are quite used to insuring drivers, new and experienced drivers alike. Our insurance policies can be tailored to meet the needs of everyone... yours included.

One of our most popular insurance policies take the form of a new driver insurance policy. As the name entails, this policy covers new drivers in Alberta from property and bodily damage that they might have incurred as a result of an accident. But what is exactly a "new driver"? And when do you stop being one in Alberta?

When people hear the term "new driver" being used, chances are that they picture a teenager behind the wheel. While this is not wrong in any way, the truth is that teenagers are not the only new drivers in Alberta. Sure, they make up most of them... but you can be any age and still be considered a new driver.

And yes, you can be any age and still apply to be covered under Sharp Insurance's new driver insurance policy.

Still unsure of what classifies as a new driver in Alberta? Give us a call or drop us a line -- we'll be sure to contact you as soon as possible!

Tuesday, 15 December 2015

Calgary Business Vehicle Coverage: Yes Or No?


What differentiates a regular vehicle insurance policy from a business vehicle insurance policy?

The "business" part, of course!

Put two and two together and you have exactly that -- a policy that protects your business vehicle(s) in the event of an accident. Whether you only own one vehicle or a whole fleet of them, we can't stress enough the importance of being covered under a Calgary business vehicle coverage.

Unfortunately, this type of policy often tends to be neglected by small business owners in Alberta, often resulting in lawsuits that could have easily been avoided, or at least mitigated. Don't make the mistake of believing it "only happens" to others. You don't have control over your employees, let alone other drivers. A mistake can happen in the blink of an eye, but you have total control over how costly this mistake ends up being.

Let's give you a quick example: What happens if one of your employees gets into a road accident while driving one of your cars? Most likely your company will be held liable -- it's as simple as that.

If you are interested in purchasing a Calgary business vehicle policy, you will soon come to realize that many insurance companies in Alberta such as Sharp Insurance would be more than willing to provide you with one. To decide which one would benefit you the most, we encourage you to request as many insurance quotes as possible.

Good luck!

Saturday, 12 December 2015

Fort McMurray Home Insurance Coverage: What About Your Deductible?


When it comes to insurance coverage, there is one question that never fails to plague insured or soon-to-be-insured people: What about my deductible?

If you don't know what a deductible is, here is a crash lesson on it. Basically, your deductible is the amount of money that you have agreed previously to pay your insurance company before filing a claim. In other words, you are only allowed to file a claim after you have paid your deductible.

Here's a fact that some people seem to ignore: Your deductible is not set in stone. While it is true that you have to agree on your deductible before filing a claim, most people seem to think that once they choose a deductible, they have to roll with it forever. This couldn't be farther from the truth.

Raising your deductible can and will save you money in the short term. As you may already be aware of, your deductible is directly linked to your monthly insurance premiums (or how much money you pay each month to be covered). The higher your deductible is, the lower your insurance premiums are, and vice versa.

In Fort McMurray there is not a set deductible when it comes to insurance coverage. Not only do deductibles vary from company to company, they also vary from policy to policy. The more expensive your home is (and the more expensive the items in your home are), the higher your premiums will be... and the higher your deductible will be.

So what's a good deductible for YOU? Unfortunately, at this point we can't tell you that either. What we recommend is that you speak with your insurance company or call on the help of an insurance broker to discuss your options.

Just a friendly reminder before ending this article that whatever you decide to do, always be sure to have enough money to pay for your deductible should anything arise in the future.

Good luck! 

Wednesday, 9 December 2015

Winter Driving Tips in Calgary


Calgary winters can be rough on the morale, and rough on drivers as well. Unfortunately, winter is also the seasons where most road accidents happen. As a result, knowing (and enforcing) good driving habits in the winter months become more important than ever.

To refresh your memory, Sharp Insurance has compiled a short list of winter driving tips in Calgary for you to go over:

  1. Always keep your gas tank half-full. This is to avoid gas line freeze-up.
  2. Make sure that your tires are inflated. And you know those pesky winter tires? Use them. Also consider purchasing chains if you must.
  3. Don't warm up your vehicles in an enclosed space. In the morning, take it out of your garage. This could well end up saving your life.
  4. Be mindful of slippery surfaces. Remember that they can be treacherous... and very dangerous. Keep your eyes on the road and never, ever cruise control on slippery surfaces.
  5. Remember good driving habits at all times. If need be, brush up on your driving skills. (We're looking at you, new drivers.) Winter driving takes a lot of skills, patience and concentration. Make sure that you are always properly rested and fed before hitting the road in Calgary this winter.
  6. Lastly, avoid driving in really bad conditions. Of course we know that you have somewhere to go and people to see, but when possible, avoid using your car in really bad conditions... especially if you are a new driver.

Saturday, 5 December 2015

How to Keep Your Business Premises Safe During the Calgary Winter


A part of owning a business in Calgary that people rarely talk about is prevention. As you already know by now, owning a small business isn't all flowers and rainbows. It comes with many different challenges and hardships -- and keeping it safe is definitely among them.

With summer behind us, many small business owners in Calgary might be wondering how they can go about keeping their businesses safe during the cold and harsh upcoming Albertan winter. While winter comes with many risks associated with the other three seasons, winter is also when the most fire claims occur. Surprised? Well most people are.

As a result, fire prevention should be your first priority in the winter. But it shouldn't be your only one. Here is how you can keep your business premises safe during the Calgary winter:

  • Make sure that your smoke alarms are in working order. When was the last time you checked them? The City of Calgary recommends that you check them at least once a year to make sure that they are working properly.
  • Keep valuable (and flammable) objects away from sight.  Don't make your business premises a target of thieves and arsonists by not following this one basic tip.
  • Deter trespassers any way you can. Whether you decide to keep your business premises lit 24/7 or invest in a gate system, the most important thing is that you think like a thief.
  • Make a fire evacuation plan and make sure that your employees follow it to a t. We can't stress enough the importance of doing this.
Now that you know how to keep your business premises safe, it's time to go out there and implement those easy and simple tips!

Wednesday, 2 December 2015

Will My Edmonton Car Insurance Policy Be Cancelled After An Accident?


As a driver in Edmonton, chances are that you've wondered (but never dared to ask) whether accident would mean the cancellation of your car insurance policy. While this question is valid for several reasons, today we would like to assure you that, no, a road accident won't lead to the cancellation of your Edmonton car insurance policy.

However, what it can do is cause you to pay higher monthly premiums on your insurance coverage. While we can't say for sure whether one accident is enough to raise your premiums, we can say for certain that multiple ones are. 

You're familiar with the demerit point system, right? Well the more demerit points you accumulate in Alberta, the more you should expect to pay higher premiums. This is because after a while insurance companies start to see you as a high-risk driver. In other words, they start to see you as more liable to getting into (or causing) road accidents.

But here's the thing: Being a high-risk driver in Edmonton is not a lifelong sentence. Keep your driving record clean for two years and it should only be a matter of time before your insurance premiums are lowered.

Of course there are other ways to lower your insurance premiums in the meantime as well, so don't despair if you've just experienced a road accident. Focus on repairing the damage done to your car (if any), and next time you hit the road, really focus on road safety. And above all, remember that driving is not a game.

Good luck and stay safe!

Saturday, 28 November 2015

Is Tornado Damage Covered By Fort McMurray Home Insurance?


We've said it before and we'll keep saying it: Don't ever purchase an insurance policy before reading it over carefully. Too many people sign blindly without thinking about the potential consequences. What do these people have common? They think that they are now invincible. They think that their new policy covers them against everything... until disaster strikes and they realize how wrong they were.

Of course this is a very grim scenario and one that we pray you will never experience. If, however, you find yourself in the situation described above (minus the disaster part) it's still not too late to fix things. Now is the perfect time to read over your policy and purchase additional coverage if needed. (You might want to consult a broker if you need help with that.)

One of the most commonly asked questions in Fort McMurray related to homeowner insurance coverage is this one: Is tornado damage covered by Fort McMurray home insurance?

Unfortunately, there is no "one-size-fits-all" answer to that question. However, we can speak generally and tell you that yes... most home insurance policies in this city do cover tornado damage. Just please don't hold us accountable if you believe us only to find out later on that your policy is one of the few that don't cover this type of damage. It's up to you to do your homework now.

Good luck! (Oh and while you're at it don't forget to check if your policy covers you against floods and earthquakes too.)

Monday, 23 November 2015

All Season vs Winter Tires: Which are Better?


Winters in Alberta can be widely unpredictable, and at times, harrowing. Winter driving in this province can seem like an extreme sport that pushes your adrenaline levels to its highest limits. Whether you’re driving in Calgary, Edmonton, Fort McMurray or Red Deer, you know you need a good pair of reliable tires to get to your destination safely. The importance of a good set of tires during extreme winter weather episodes cannot be underestimated: Good tires save lives. Even so, you may have a few questions before investing in a good pair of winter tires such as: which tires are the best for Albertans? All seasons can save you money, but do they work as well as winter tires? And are some brands of tires better than others? We have put together a quick guide for measuring safety, effectiveness, price and value for different types of tires and their performance in different weather situations.

It’s all in the numbers:
For anyone who may be skeptical about the effectiveness of winter tires, take a look these compelling numbers:

Germany
In 2008, winter tires were made compulsory in Germany, here’s what happened:
2005: 12,539 personal injury collisions
2008: 6,033
Winter tires cut more than half of the winter collisions resulting in injury!

Quebec:
Winter tires where made mandatory in 2008 (by that time more than 95% of drivers where already using winter tires) resulted in a 17% drop in collisions, and a 36% drop in collisions resulting in serious injury or death!


The problem with all-season tires
Although  all-season tires are convenient and cost effective, they simply do not work as well as winter tires. The truth is, all-season tires are a compromise as they work well generally in most weather conditions, but they do not preform nearly as well in severe winter road conditions.

Why winter tires are the best for winter driving:
Winter tires are designed to grip through ice, snow, slush, and provide 50% better traction. Due to the rubber materials and intricate tread design, these tires have faster stopping times, safer acceleration, and more control which means safer driving.

Do you need to install matching winter tires?
According to tire experts such as Kal Tire, installing different types of tires on your vehicle could impact its ability to perform: one make of winter tire may have different traction capabilities than the other, which could effective the maneuverability of your vehicle in extreme winter conditions. It’s best to install four identical winter tires in order to see the best results. 

How much do winter tires cost?
The price of winter tires vary depending on the manufacturer, the quality of materials used and so on. The lifespan of winter tires also rely on the quality and density of the rubber used, which may factor into your budget when choosing the right winter tires for your car. On average you may spend between $250 to $1000 depending on the brand and qualify of the tires. It's always a great idea to consult a tire expert for advice as all vehicles perform differently and you want to be sure you're getting the best tires for your specific car. 


Snow is coming, and now is the best time to invest in your safety by getting those winter tires installed!

Saturday, 21 November 2015

The Importance of Checking Your Albertan Driving Record


As an Albertan driver, understanding your driving record is probably more important than you think it is. You know that your driving record is directly associated with how much money you pay, but did you also know that you might be paying more than you should be?

Yes, we're talking about mistakes... and they're not as uncommon as you think they are.

This is why we encourage everyone to request their Albertan driving record (also commonly known as driver abstract) from the Access to Motor Vehicle Information Regulation. You can find more information on how to apply for a driver abstract in Alberta here. (Note that you might want to do it in person as it makes the process a lot simpler.) If you find a mistake on your driving abstract, then you should contact the Ministry of Transport and report it.

To understand your driver record you first have to understand how the Albertan demerit point system works. Quite simply, demerit points are awarded each time a driver is found guilty of partaking in a dangerous driving habit. (How many points are awarded depends on the type of infraction committed.)

On your driver abstract you will find out how many demerit points were awarded to you. You will also learn more about your past convictions (if any) as well as your past suspensions (again if any). We highly encourage that you request your driver record at least once a year to make sure that it is as accurate as it can possibly be.

Wednesday, 18 November 2015

Does Commercial Property Insurance Coverage in Edmonton Cover Theft?


A darker part of owning a business in Edmonton has to do with everything that people do not want to think about or associate with. Yes, today we're talking about disasters... and one particular type of disaster known as theft.

If you own a business, the last thing that you want to go through is a break-in. Not only does this make you lose money in the short run, it also makes you look bad. But here's the thing: No matter how up-to-date you are with the latest anti-theft technologies, there will always be people out there who know how to counteract these technologies. This is why being covered under an Edmonton commercial property insurance policy such as the one Sharp Insurance offers is of the utmost importance.

But does this policy really cover theft?

Yes, it does.... among other things. As long as you can prove that your business property was broken in and that you suffered valuable losses, then you can expect your insurance company to reimburse you. Keep in mind, however, that proving that the thieves stole something valuable from you (physically and sometimes even digitally) is half the battle. Thankfully, this process can be made easier by making a photo inventory a while in advance.

We've covered several tips on how to do that, but you can always search online for more. Until then, don't forget to lock the door and to stow away valuables away from sight... simple security can often go a long way!

Saturday, 14 November 2015

Basic Home Fire Safety For Calgary Residents


When it comes to protecting your home against a fire, you can never be safe enough. But as history has proved time and time again, even the most cautious among us sometimes can't escape the hands of fate.

Of course our goal today is not to scare you. Instead, our goal is to open your eyes to the very real danger that is a house fire. And to make sure that it never happens to you (or at least alleviate the risks of it happening to you) we have decided to compile a short list of basic home fire safety tips. So without further ado, here they are:

  1. Test your smoke alarms as often as possible. We can't stress enough the importance of doing this. Too many people forget them about them, checking on them every few years. Once a month is the usual recommendation.
  2. Don't smoke in your home. It's the 21st century. Do we really need to tell you this? :) But just in case, here it is again!
  3. Be careful with your space heaters. Make sure that they aren't sitting beside anything that can catch fire such as curtains.
  4. Clean your chimney. Cleaning your chimney once a year is recommended if you want to minimize the risk of a house fire.
  5. Cook smartly. We're looking at you, oven! Did you know that a good portion of house fires can be linked back to the stove? When cooking, make sure that the area around your stove is clutter free as well.
  6. Keep a fire extinguisher... or two! Your kitchen and the basement should be your first priorities.

Wednesday, 11 November 2015

Texting and Driving in Edmonton: Is It Really That Bad?!


You've heard it multiple times -- don't text while driving. In fact, you've heard it so many times that texting while driving is now considered illegal in Canada. But just how dangerous is texting while driving in Edmonton? And does it classify as "distracted driving"?

The short answers are simple, really. Texting while driving kills every single day. Just in the United States 9 people die from it on average. Nine! So yes, texting while driving is very dangerous, and yes it classifies as "distracted driving".

In fact, texting while driving also classifies as a dangerous driving habit. And as you may (or may not know by now), being accused of partaking in such a dangerous habit can earn you the title of a "high-risk driver".

As the name entails, a high-risk driver is a driver who is seen as more prone to getting into and/or causing road accidents by his or her insurance company. As a result, high-risk drivers everywhere in Edmonton and across Canada usually pay a LOT more on their monthly insurance premiums.

Our question to you is this one: Is it really worth it? And we're not just talking about money but the countless lives that you endanger while texting and driving. (Not just your own, of course.) If there is something that absolutely can't wait for you to get out of your car, then what are you even driving?

Be smart. Be safe.

Saturday, 7 November 2015

3 Things To Know About Being Denied Car Insurance Coverage in Edmonton


As a Canadian driver, being denied insurance coverage can be problematic for several reasons... and of course we're not mentioning stressful. If you are on the lookout for Edmonton car insurance coverage, there are 3 facts that you need to know about being denied by an insurance company:

  1. You might be considered a high-risk driver. Just as the name entails, a high-risk driver is a driver who is considered as more prone to getting into and/or causing road accidents. Since those drivers are seen as more "expensive" by insurance companies in Edmonton, several of them refuse to give them coverage. The good news, however, is that high-risk driving insurance policies exist... you just have to go out there and find them. Yes, you do end up paying more on your deductibles, but at least you won't have to worry about not being covered any longer.
  2. If you still can't find a policy, hire the help of an insurance broker. Insurance brokers exist for a reason -- to help you find a policy that meets your own needs. If you have been denied coverage several times already, then hiring a broker might be the best option left for you at this point.
  3. Being denied happens to everyone. Lastly, if you have been denied... don't fret it! As we said above, there ARE companies out there that are ready to offer you coverage. It's just a matter of finding them. If you are denied we recommend that you find out what the problem is, fix it in any way you can, and then move on.

Saturday, 31 October 2015

How to Deal With Your Small Calgary Business Being Sued


As a small business owner in Calgary, if there is one word that you absolutely don't want to associate, it's probably "lawsuit". We think that most people can understand why. It's not uncommon to see small business crumble up as a result of a lawsuit. But here's the thing: What doesn't kill you really does make you stronger. If you have been sued, here is how to deal with it:

  1. Don't panic! We can't stress this enough. Panicking, regardless of the situation, is never a good thing and only ever leads you to make brash decisions that you may end up regretting later. If you have just learned that a client or customer has sued you, keep calm.
  2. Don't say anything that you could land you in even deeper trouble. In fact, it is advisable to completely abstain yourself from talking with the person who has sued you. If you must, speak with their lawyer, and always remember to record phone calls.
  3. Call your lawyer or your insurance company a.s.a.p. Like... right now. Do it! Make sure to be as detailed as possible with them. The less things you leave out, the smoother things are bound to go... which brings us to our last point...
  4. Dig up the records. Depending on the nature of the lawsuit, records may well end up saving your company. Whether those records take the form of emails or video footage, make sure to find them and to hand them to your insurance company and/or lawyer.
Also remember to eat and sleep well. This might be a stressful time in your life but that doesn't meant that you should neglect your body because of that.

Good luck!

Monday, 26 October 2015

What Does "Full Car Insurance Coverage" Mean In Calgary?


In the world of car insurance coverage it isn't uncommon to hear people (especially insurance companies) talk about "full car insurance coverage". But what exactly does "full car insurance coverage" mean? And when does coverage become... "full"? Today, Sharp Insurance will be answering this commonly asked question, so keep reading if you've always wondered about this!

Quite simply, Calgary insurance companies like to use the term "full coverage" when a policy is comprised of both liability coverage and coverage for damage done to your car. These are the two most common types of insurance coverage found in Alberta, and the ones that you absolutely need to purchase before hitting the road.

Respectively, those two policies cover damage that has been done to people and their property as a result of an accident, and damage that has been done to your car. Most of the time, it doesn't matter whether you are not at fault or not, but this is something that you still have to double check with your insurance company. 

But here's the thing: "Full" coverage is never complete. It can never cover everything unless you purchase additional coverage to make sure that it does. Of course though, we don't recommend that you do unless you know for a fact that you will need additional coverage. You can determine this with the help of your insurance broker.

Until then, chances are that being covered under these two Calgary car insurance policies is more than enough for you. After all, it is still known as "full coverage" for a reason! 

Good luck and remember to drive safely!

Thursday, 22 October 2015

Who Is Covered Under Your Edmonton Homeowners Insurance Policy?



If you are covered under an Edmonton homeowners insurance policy, then you might be wondering how far your coverage extends... and who exactly it covers. By "who" we mean other people living within your household, including members of your extended family.

As an example, would the possessions of mother-in-law who is currently living under your roof be covered under your Edmonton homeowners insurance policy? Most of the time, yes they are. But here's the thing: You can't rely on our words only. We highly recommend that you contact your insurance company if you have any doubt regarding this topic.

Another common question that seems to plague several Albertans is this one: What happens to the possessions of my child when she or he away at college? Once again, this might not be true for every single policy in Edmonton, but most of the time you can expect his or her possessions to be covered under your home insurance coverage.

A good news, no?

Remember, however, that some insurance policy don't cover personal possessions to begin with. This is why we always remind people to read over the policy that they are planning on purchasing carefully before signing anything. Avoiding bad surprises down the road can easily be done this way... and really, a few minutes of your time is nothing compared to some of the damage that these bad surprises could cause on your finances.

Bankruptcy, anyone?

We don't think so. ;)

Monday, 19 October 2015

The Eye-Opening Truth about Driver Fatigue




Whether you are driving to work in the morning, or planning a road-tripping adventure, driver fatigue could creep up on you, and the results can be catastrophic. Driver fatigue is believed to cause approximately 26% of all collision accidents resulting in bodily injury or death. Driving while drowsy can greatly impair your reaction time, your ability to process information, and your steering control. In many cases it’s just as bad or worse than driving intoxicated depending on the level of individual sleep depravity.


According to a 2011 poll of Canadian drivers, 14.3% of respondents admitted they often drive while tired or fatigued (Traffic Injury Research Foundation). In fact, once you do begin to feel drowsy while driving, it is actually quite difficult to predict when you might fall asleep. It’s important to be cognizant of the warning signs before it’s too late.


Signs you are drowsy while driving:

  • Difficulty focusing, frequent blinking or heavy eyelids
  • Repeated yawning and running eyes
  • Daydreaming, wandering or disconnect thoughts
  • Trouble remembering past few kilometers driven, missing exists and road signs
  • Trouble keeping head up
  • Drifting into a different lane

Before you drive anywhere, it’s important to plan ahead and get at least 7-8 hours of sleep. Try to drive when you’re most alert. If you are feeling drowsy, here are some proven ways to help you stay focused:

  • Nap before you go on a road trip
  • Pull over when you feel drowsy and nap for 15-20 minutes
  • If you are on a long drive, take breaks to nap every 2 hours for 15-20 minutes (not on the shoulder of a highway)
  • Alternate driving time with another driver every 2 hours while the other naps
  • If possible, avoid driving during the times you would normally be sleeping

What Does not help:

  • Opening a window
  • Drinking caffeine
  • Stopping to exercise
  • Eating
  • Turning up music



Driving while fatigued is not only dangerous, it is reckless. It is just as serious as driving while under the influence of alcohol. So, before you sit behind the wheel, ask yourself: am I feeling tired?

Red Deer Car Insurance Coverage: 3 Common Questions Answered


In Red Deer, Alberta and the rest of Canada, driving a car without being covered under a car insurance policy is illegal. But for first-time drivers, the world of insurance coverage is as big as it is foreign. If you are considering purchasing Red Deer car coverage in the near future, then here are 3 common questions answered:

  1. How much is Red Deer car coverage? Unfortunately, there is no "one-size-fits-all" answer to this question because it depends on many, many things. Here are just a few examples of what can affect how much you end up paying each month:
    • The brand of your car;
    • How old your car is;
    • Whether it is used or new;
    • Your experience as a driver;
    • Where you live;
    • Etc.
  2. Is car coverage mandatory? As we mentioned earlier, in Canada you are not allowed to drive a car without owning some sort of insurance coverage. Keep in mind that this also applies to motorcycles and most other motor vehicles.
  3. Where can I request a free Red Deer quote online? Insurance quotes exist for a reason: To help you make a decision. As a result, we highly recommend that you use them wisely. The good news for you is that many companies in Red Deer would be more than happy to provide you with a free insurance quote -- including Sharp Insurance. For more information on what our free quote entails, please visit www.sharpinsurance.ca. 
Good luck and remember to always drive safely!

Thursday, 15 October 2015

How to Choose the Right Deductible For Your Edmonton Home Insurance Coverage


When it comes to Edmonton home insurance coverage, there seems to be some misconceptions about deductibles, and how high (or low) those deductibles have to be.

Here's the thing: A deductible doesn't have to be a certain amount of money. Nobody is forcing you to pay a certain amount of money. But let's be honest -- being stuck with a really high deductible can be troublesome in the event of you having to file a claim... just like being stuck with a really low deductible can be as expensive (if not more expensive) in the long run.

Wait. What?

You read that right. Being stuck with a really deductible can be bad too. If you are new to the world of Edmonton insurance coverage, you may not be aware of this, but the lower your deductible is, the higher your monthly premiums are. And vice versa.

With that being said, it would make sense for you to choose a deductible that you can afford and which doesn't end up raising your monthly premiums dramatically. Unfortunately, this is something that you will have to figure out by yourself or with the help of your insurance broker.

Whichever way you decide to go, however, remember that lowering monthly premiums CAN be done, and that having some money aside to cover your deductible is always a good idea.

Good luck!

Monday, 12 October 2015

What Is Product Liability Insurance Coverage?


If you own a company that manufactures, wholesales, distributes and retails a product (or several of them), then you might want to think twice about your current insurance coverage if the latter doesn't include a product liability insurance policy.

But what exactly is this policy? And how would your company benefit from purchasing it?

As the name entails, a product liability insurance policy protects you from financial losses associated with a defect product. In the event of said product causing bodily or property harm, you won't have to worry about subsequent lawsuits.

Well, okay maybe you will have to worry about that... but you can rest assured that the costs related to defending yourself in court will be taken care of by your insurance company. In other words, you won't have to worry about finding a lawyer or paying for the damages if you end up losing the case.

This is the main reason why you need to be covered under this policy. And really, do you need another one? It doesn't matter how small your company is. If your company deals with products in any way, then being covered under a product liability insurance coverage is an absolute must. It can well end up saving you from bankruptcy down the road.

Keep in mind, however, that the kind of products that you associate yourself with play a HUGE role in how much insurance coverage your company will need. As an example, a company that deals in clothing will be far less likely to be sued than a company that deals in... let's say... home appliances. With that in mind, does the company that deals in clothing need to be covered under this policy? Of course it does -- just not as much.

For more information on this policy or to request your free insurance quote, feel free to give Sharp Insurance a call or drop us a line.

Friday, 9 October 2015

Fort McMurray New Drivers: 3 Things to Know About Insurance Coverage


Under Canadian (and Albertan laws) new drivers, regardless of how old they are, are obligated to purchase a car insurance policy before hitting the road. Generally speaking, a liability insurance policy is enough to get you out of trouble. But if you are a new driver, chances are that you don't even know the difference between the different types of insurance polices available to you.

This is why Sharp Insurance has compiled a short list of 3 things to know about car insurance coverage in Fort McMurray. So without further ado, here they are:
  1. New drivers are treated the same, regardless of how old they are. When people think of "new drivers" they usually picture teenagers. While it's true that the vast majority of new drivers in Alberta are in fact teenagers, a good portion of them are also made up of adults. 
  2. New drivers pay higher premiums than "regular" drivers. Yep... that's the question you've been dreading all along! In a way, new drivers are treated the same as high-risk drivers in Fort McMurray. Because they lack experience and are seen as more prone to causing bodily and/or property damage, they are expected to pay higher monthly premiums. If you are a new driver, however, don't sweat it too much. Lowering your premiums can be done via a number of ways... and if you manage to keep a clean driving record for a while they'll go down on their own anyway!
  3. New driver insurance policies differ greatly in Canada. Does that surprise you? If it does then you would most likely benefit from requesting a free new driver insurance quote from Sharp Insurance. Unlike what some people think, insurance policies differ from one another... and so do insurance companies. How much you want to pay each month plays a HUGE role in the type of insurance coverage you'll end up with, so be sure to make a budget before making any decision.

Monday, 5 October 2015

Can I Get a Ticket For Not Wearing a Seat Belt In Alberta?


Dangerous driving habits in Alberta can be costly. But how costly can they really be? Let's take a look.

First and foremost, can you get a ticket for not wearing a seat belt in Alberta?

The answer is yes... and you might be surprised at how much it costs not to wear one in Canada. Here's the thing: Just like speeding, tailgating and running red lights, not wearing your seat belt is considered a dangerous driving habit. As a result, it would make sense that you can be ticketed over it.

In general, expect to pay a $115 ticket if you are caught not wearing your seat belt in the province. Yes, you read that right -- $115! Is it really worth paying that much for a simple mistake or act of laziness or negligence? You be the judge.

Also keep in mind that the more tickets you receive and the more infractions you are caught doing, the more likely it becomes for you to be labelled as a high risk driver in Edmonton. As a result of that, you will have to pay higher monthly premiums on your car insurance coverage. So before driving the road, think twice about the habits that can land you in trouble.

If you're tired, call a taxi. If you're late, don't speed up. And of course, don't forget to buckle in your seat belt. It might just save you $115 in the short run and even more down the road!

Thursday, 1 October 2015

Where to Request a Free Home Insurance Quote in Red Deer


In Canada, you are not legally required to purchase home insurance coverage. But as we've said before, just because you don't have to doesn't mean that you shouldn't. If you are planning on buying or building a home in Red Deer (or even if you already own one), then we highly recommend that you also purchase a Red Deer home insurance policy. 

Life is simply too unpredictable for you to not be covered under a home insurance policy. If you don't believe us, then simply ask the hundreds of Canadians who have had to go bankrupt this year as a result of a disaster striking their home.

What did all of these people have in common?

They were not properly insured. If as simple as that. 

Don't be among them. Purchasing a home insurance policy is the surest way to receive peace of mind. Further to that, don't hesitate to purchase additional coverage if needed. Unlike what some people think, home insurance policies don't cover everything. Flood insurance coverage might come in especially handy in Red Deer in Alberta this year.

Now to go back to the original question... where can you request a free home insurance quote in Red Deer? You will find that many companies like to offer free insurance quotes to prospective clients, so don't hesitate to ask away. Sharp Insurance is always good place for you to start from, but remember to give several companies a try. This is the best way to find the best Red Deer home insurance policy at a price that you are comfortable with.

Good luck!

Monday, 28 September 2015

Do I Need to Buy All The Different Types of Edmonton Car Insurance Coverage?


As with everything else in life, car insurance coverage is rarely simple. If you are a new driver in Edmonton, then chances are that you've heard of the many different types of car insurance coverage available in the city. As a result, you're probably wondering if you need to buy them all... or really, which one(s) you absolutely need to buy.

Let's begin by keeping things simple. Under Canadian law, you are required to purchase car insurance coverage before hitting the road.

But here's the thing: Just because you are required to purchase coverage doesn't mean that you need to purchase them all. You see, the most basic type of insurance is known as Edmonton liability insurance coverage. This is the coverage that you absolutely need to purchase before hitting the road. Quite simply, this policy pays for injuries to others as well as damage to their property in the event of you causing an accident.

With that being, it is up to you to decide whether or not you would benefit from purchasing additional coverage. If you only use your car to drive to work and then drive back home, chances are that you don't really need to purchase additional coverage. But if you own a really expensive car and you enjoy taking long road trips every once in a while, then it might be a different story for you.

Keep in mind that your insurance broker always know best, so don't hesitate to give them a call before making any decision!

Thursday, 24 September 2015

Red Deer Home Insurance Coverage: 2 Insurance Mistakes To Avoid


When it comes to home insurance coverage in Red Deer, knowledge and experience are really valuable. But here's the thing: Not every new home owner in the city have the knowledge and experience required to avoid making simple insurance mistakes. After all, they are new home owners for a reason. 

Over the year, the team at Sharp Insurance has seen too many people fall prey to basic home insurance mistakes. Don't be among them. 

If you are considering covering your new (or future) house in the near future, then here are 2 Red Deer home insurance mistakes that you absolutely need to avoid:
  1. Thinking, no scratch that, assuming that your policy covers floods... or anything else for that matter. Ask insured people what they fear the most about their home insurance coverage, and many of them will probably answer you with something along the lines of their insurance policy not covering x or y. This nightmarish scenario is nightmarish for several reasons. Firstly, it makes you feel vulnerable. Secondly, it can cost a lot. Before purchasing a Red Deer insurance policy, please, please, please make sure that you know EXACTLY what the policy covers... and what it doesn't.
  2. Paying too much each month. What most people fail to understand (especially new home owners) is that their monthly insurance premiums are not set in stone. While this might not be a mistake in the traditional sense of the word (at least for insurance companies in Red Deer), we consider it as such because in certain cases there is simply no reason to pay so much. Before purchasing a home insurance policy, do some research. Not only find the best available insurance policy for the price that you are most comfortable with, but also find ways to lower the premiums of said policy. You'll see -- you won't end up disappointed!

Tuesday, 22 September 2015

Identity Theft on the Rise: What you need to know to protect your personal information



According to the RCMP, identity theft is the fastest growing crime in the world and affects 1 in 6 Canadians annually with losses of approximately $3 billion! Due to the rise of technology, identity theft has become easier than ever, putting every single Canadian at risk. Remember the National Student loan personal information leak of 2012? A hard drive went missing that contained addresses, birthdates and SIN numbers of over 500,000 Canadians! Sometimes the most secure channels fail, which is why it’s important to educate yourself on the myriad of ways you can lower the risk of having your identity stolen.


What is Identity Theft?


Identity theft is stealing personal information such as name, date of birth, address, and social security number in order to commit fraud. 

Identity Theft Crimes:


Crimes range from minor credit card charges to taking out loans, credit cards, and subscriptions under your name, or worse, an individual assuming your identity indefinitely.

Many victims of identity theft do not know it’s happening to them until they apply for a mortgage or loan and are quickly denied due to delinquent credit history! Imagine finding out you owe thousands of dollars because someone else assumed your identity. 

Experiencing identity theft can be quite stressful and difficult to deal with alone. Protecting yourself from identity theft through preventative measures will save you a lot of time and grief in the future. 


Best practices for preventing identity theft:

  •   Monitor all activity on credit card statements: be sure to carefully review charges on your credit cards every month and report any suspicious or erroneous purchases right away
  • Shred all banking documents before disposing
  •  Only provide personal information to reputable companie
  •  Never provide personal information over the phone until you validate the caller
  • Report loss of: Driver’s license, credit cards, bank cards and SIN cards immediately


Identity theft insurance is your best protection:

With identity theft numbers on the rise, more and more people are turning to insurance to help protect against a crime that has no boarders

Depending on the company, identity theft insurance can cover most expenses accrued such as legal fees, loss of wages (ex: for missing work due to court sessions), monitoring your credit after the theft and more. 

Identity theft is not only hard on your credit score rating, but it is also quite time consuming to deal with the fallout. With identity theft insurance, your insurer takes care of most of that for you.

For more information about identity theft insurance, contact one of our experience brokers who will be more than happy to answer any questions you may have on this subject.



Monday, 21 September 2015

Follow Those Simple Tips To Prevent Your Small Calgary Business From Being Sued


As a small business owner in Calgary, "lawsuit" is probably the one word that you NEVER want to hear. But here's the thing -- absolutely nobody is immune to being sued. If you own a business, there will always be someone out there who is out to get you.

With that being said, just because you aren't immune to being sued doesn't mean that you shouldn't do everything in your power to prevent that from happening. To make this a little bit simpler for you, Sharp Insurance has compiled a short list of advice for you to follow.

So without further ado, here are 4 little tips to prevent your small Calgary business from being sued:

  1. Be careful of what you do... but also what you say. As a business owner, you have a heavy burden to carry on your shoulders. It is not uncommon for slanderous statements to cost business owners their companies. Likewise, avoid working with people whom you believe employ shady business practices. 
  2. Protect your data. In the past, Sharp Insurance has covered the importance of protecting your data. We have also covered several ways for you to go about it. Our stance on this subject hasn't changed. Every year, hundreds of small businesses across the world go bankrupt because they were careless enough to lose their precious data. Don't be among them.
  3. Acknowledge your mistakes. Here's the thing: Nobody wants to deal with an angry customer. But sometimes, all it takes to make things right is the proper attitude. If you made a mistake, acknowledge it and apologize for it. You might just end up seriously surprised at how far this can take you.
  4. Be properly insured. Lastly, this might not do much to prevent someone from suing you, but in the event of that happening you will be really happy to have heeded this advice! From Calgary general liability insurance coverage to business property insurance coverage, we highly encourage that you do a bit of research if you wish to secure your business as much as possible.

Monday, 14 September 2015

Are First-Time Drivers Considered High-Risk Drivers in Calgary?


Let's be honest -- high-risk driving is a term that nobody wants to be associated with. The truth, however, is that some people can't help it, regardless of whether or not they actually partake in dangerous driving habits.

As a new driver, you may wondering (and rightly so) whether or not you are considered a high-risk driver in Calgary because you lack the experience that most drivers have. Unfortunately, you are. Both young drivers and first-time drivers, no matter how old they may be, are considered high-risk drivers by most insurance companies in Calgary.

But here's the thing -- it's not a lifelong sentence. Sure, it might be disheartening to hear this, especially if you had no idea that you would end up paying higher premiums as a result, but you have to remember that keeping a clean driving record for the next two years or so can and will go a long way.

Further to that, there exist numerous ways for you to enjoy lower monthly premiums. This is something that most people (not just high-risk drivers) fail to realize. With a bit of planning ahead, it is very possible to save on insurance premiums each month.

Here are a few ways for you to do that:

  • Make sure that your car is secure. You might be surprise at how much money installing a simple security system may save you each month!
  • Bundle up your insurance policies. Here's a little known fact -- insurance companies in Calgary love giving discounts to customers who purchase several policies for them.
  • Brush up on your driving skills. Here's another little known fact -- enrolling in (and passing) a driving course can make your monthly premiums less expensive. Just make sure that the course is approved by your insurance company, though.
  • Raise your deductible. The lower your deductible is, the more money you have to spend on monthly premiums... and vice versa.

Friday, 11 September 2015

Where to Find a Free Car Insurance Quote in Fort McMurray


When it comes to car insurance coverage, free insurance quotes exist for a reason. Making good use of them is of the utmost importance. But the question remains -- where exactly can you find a free car insurance quote in Fort McMurray?

Starting with the one that Sharp Insurance offers is a good idea. But you will soon come to realize that Fort McMurray (and really, the entire country) is home to many, many insurance companies. This is both a good and a bad thing. Good because you have plenty of options to choose from. And bad because... well... you have plenty of options to choose from...

Wait, what?

As you can see, too many options to choose from can be frustrating. This is why we encourage you to spend enough time researching your options before comparing the quotes that you receive from prospective companies. In our experience, this method has never failed anyone. 

Whether or not it will lead you to Sharp Insurance, there is no way for us to know. We do offer free Fort McMurray car insurance quotes to people like you, so feel free to request yours today. Just remember that settling down for the first good offer that you come across is never a good idea, and that online reviews have helped countless people weed out good companies from bad companies in the past. Read everything carefully (yes, that includes the ENTIRE policy) and you should be fine. :)

Good luck!

Monday, 7 September 2015

3 Common Calgary Home Insurance Coverage Questions Answered


Let's be honest: Insurance coverage isn't always as simple as you'd like it to be. For new Calgary home owners, navigating through the do's and dont's of home insurance coverage by themselves can be downright impossible. To make the process slightly easier for you, Sharp Insurance has decided to compile a list of the 3 most common questions associated with home insurance coverage in Calgary... and answer them.

So without further ado, here they are:

  1. Do I need to be covered under a Calgary home insurance policy? Here's the thing: Canadian law doesn't require you to be covered under a home insurance policy. With that being said, however, just because you aren't required doesn't mean that you shouldn't. To answer the question, no, you don't have to, but yes, you should. Life simply comes with too many unplanned and unforeseen events for you not to be covered under a home insurance coverage. 
  2. What do most Calgary home insurance policies cover? Most of the time, you can expect a home insurance policy to cover damage related to fire, arson, thievery and vandalism. Keep in mind, however, that insurance policies differ from company to company. As a result, reading through a policy before agreeing to it is of the utmost importance... and so is knowing exactly what the policy doesn't cover.
  3. How expensive is home insurance coverage in Calgary? Unfortunately, there is no "one-size-fits-all" answer to that question because it depends on many, many things. The overall value of your home plays the biggest role in determining how much money you will be paying each month, but so does the neighborhood it is located in, how secure it is and even how old it is. Remember though that premiums aren't set in stone; lowering them is very much possible. Just read through some of our earlier articles to learn how you can do that!

Friday, 4 September 2015

Red Deer General Liability Insurance Coverage vs. Professional Liability Insurance Coverage


If you are here, we can probably assume that you are among the many professionals in Red Deer who tend to confuse general liability insurance coverage with professional liability insurance coverage... or among those who simply don't know the difference between the two.

Don't worry, though -- there is absolutely no shame in that. While those two policies share several things in common, you have to realize that they differ completely from one another. Today, we will explain to you exactly how they differ... and maybe even help you figure out which one you would benefit the most from purchasing.

So without further ado, let's look at general liability insurance coverage.

Red Deer general liability insurance coverage such as the one offered by Sharp Insurance covers businesses from claims related to bodily and/or property damage. A common claim associated with this policy is a customer experiencing a slip and fall on business property, injuring themselves, and then proceeding to sue said business for damage. Keep in mind that most of the time this policy covers property damage caused by employees as well.

What about professional liability insurance policy?

A Red Deer professional liability insurance policy, on the other hand, covers professionals from claims of errors and/or omissions. Common claims related to this policy are claims of malpractice and negligence. Unlike general liability insurance coverage, this coverage covers only ONE person. It provides financial aid to the insured in the event of someone filing a lawsuit against them.

So which one do you need? It depends on whether or not you own a business. If you are a professional currently working for a company, then chances are that a professional liability insurance policy would be enough for you. But if you own a business, then you might benefit from purchasing those two policies... assuming you work in a field in which the threat of being sued exists!

Thursday, 3 September 2015

What You Need to Know Before Renting Out Your Basement


To rent or not to rent...

Secondary suite rentals are a great way to supplement your income or to help you pay your mortgage. Becoming a landlord can also be quite the job, so it’s important to know what you’re getting yourself into before you make that leap. Renting out a secondary suite comes with a lot of advantages, for instance, with the extra income you could afford to buy a house in a popular urban neighborhood and it’s also a great way to dip your toes into the property business. Even so, what does becoming a landlord entail? What are some of things you need to know in order to begin that process? How about what type of insurance you will need? Keep reading if you want to know these answers and more. 

What to consider before renting out your secondary suite:


Round the clock work:

Being a landlord means that you have new responsibilities which cannot be ignored. For example, you are now charged with finding good tenants, and finding these tenants can be quite a challenge.

You are also under obligation for repairs around the property and to ensure your tenant is safe and comfortable in their living quarters.

It’s important to treat being a landlord like owning a business by having a cushion in your account for unexpected repairs and by keeping track of everything through proper documentation. 


Giving up privacy:

When renting out a suite in your home, ask yourself if you are willing to give up some of your privacy. For instance, will you be sharing an entrance, washer/dryer, backyard or deck? Are you OK with not having the same level of privacy your accustomed to?

Do your research:

Familiarize yourself with Alberta's bylaws for secondary suites. What permits do you need? Is your zoning up to snuff? What about fire and safety regulations? Are your basement windows large enough? If you disregard these regulations, you could be shut down at any time and could even face fines and charges. For more information regarding zoning and permits, please visit this link.

Choosing the right tenants:

Who do you want to share your space with? Are you looking for students? Mature students? Single adults?A young couple? Make a list of the characteristics you would like your tenant to have. What is important to you? Where do you live? Do you live close to a university that will attract student renters? Are you downtown and close to many office buildings? Interview your potential tenants, and try to get references when possible to help you make your decision.


Get your tenants to sign a lease agreement:

A lease agreement is your best way to ensure both you and your tenants are protected. It also helps lay out what you expect from your tenants and what they can expect from you. Determine the length of lease you would prefer, for instance, you can weigh out the benefits of either a six month or one year lease term. For guidelines and examples of lease agreements click here.




What you need to know about rental insurance:

We would be remiss as an insurance broker if we did not stress the importance of having proper insurance both for yourself and for your tenants.  Typically, if you own your home and you are renting out your basement suite, you need to contact your insurance company right away to let them know. They will document this in your file, or may have to consider underwriting the space depending on the specifics of the situation. That way, in the event of a claim, you can rest assured that you have done your due diligence and disclosed everything to your insurance company to prevent any issues with the claim resolution process. 

Your insurance, however, will not cover any damages incurred by the tenant or any damages  to the tenant’s own property. For instance, say your tenant vandalized the suite, your insurance typically doesn’t cover those losses. However, if you make it a condition of the lease for your tenant to have his or her own tenant’s insurance, their liability coverage could pay out for the damages. Moreover, it will also keep your tenant protected in the event of a fire or loss that affects his or her contents.

If you have any insurance questions regarding your rental suite, we are more than happy to assist you. You can call us toll free at 1-877-218-2008 or shoot us an email with your questions to [email protected] 





Monday, 31 August 2015

Should University Students Get Contents Insurance?



It’s that time of year where the air gets crisper and the streets are alive again with buzz of new and returning students engaging in collegiate chatter while running around trying to get settled before the semester officially begins. While students register for classes, gather their course materials or catch up with friends over coffee, it may be easy to forget all about insurance for their valued contents. Whether one lives in a dorm or is renting a room or an apartment, holding insurance for their computers, laptops, sound systems, TV, etc., is a sure way to attain a peace of mind that they're covered no matter what life throws their way.


Why get contents insurance?

Did you know your landlord’s insurance does not cover your belongings in the event of an insured loss such as fire or water damage? You would be responsible for replacing all your lost items including clothing, electronics, furniture, etc.

Contents insurance for students is very affordable and can help protect you against unpredictable events such as theft, vandalism, fire, water and even flood damage. Many students are on tight budgets during the school year, and a loss of a laptop or smart phone could be devastating. That’s where insurance kicks in. Insurance is here to protect you for losses that are too large to cover on your own.


Who can get contents insurance?

Anyone who is renting a dwelling such as a dorm room, house, apartment or condo is eligible for contents insurance. Students receive special rates with Sharp Insurance.


What else does contents insurance cover?

Your contents or tenant’s insurance will cover you for any stolen items while you are at home or travelling anywhere around the world. It will also cover you for damages due to fire, wind, hail, theft, vandalism and now, you can opt to have flood coverage!

You are also covered for liability for up to  1 million or 2 million depending on your insurance package. Liability protects you in the event you accidentally cause damage to your unit or building, for example: you leave your curling iron on and cause a small fire; you would be responsible for damages to the building and other tenants. In this case, your insurance policy will kick in to cover these damages.

You also have liability for your actions. Say you’re playing baseball with your friends and hit a passerby with the ball; your policy will cover medical expenses and will defend you in the event you are sued for your actions.

Are you interested in getting an insurance quote for your contents? We are more than happy to help, click here to contact us.