Wildfire Safety Tips for Your Family, Your Home, and Your Business

The wildfire season can be an incredibly traumatic time. By taking some simple precautions ahead of time, you can protect your family and your home. Have a plan in place for your family should wildfires threaten your home. Here are some tips to help protect your home:

5 Questions You Should Ask When Getting Insurance

There are many Agencies and Brokerages to choose from that offer insurance, but not all companies are alike. Below are 5 questions you should ask when getting insurance.

Top 20 Factors That May Affect Your Mortgage

If there's one thing our team of mortgage planners has learned from their years of experience, it's that no 2 mortgages are the same. Even if, on the surface, you think that your situation matches your neighbor, friend, co-worker or parent, it doesn't take much digging to start finding differences. Since you're not "just like Dave" why would your financing be the same? We believe that your mortgage solution should be as unique as you.

Why Should I Have Home Insurance?

Our Insurance expert, Nicole, shares her thoughts on the importance of holding an insurance policy.

Whenever someone asks me about the importance of insurance, a story always comes to mind.

When I first started in insurance, I was training with a group. One woman, when asked about her understanding and history with insurance, related a story that still resonates with me today.

Home Insurance vs Strata Condo Insurance

Home insurance policy provides coverage for five main areas:

  • The primary dwelling/building
  • Other Structures such as storage sheds and detached garage
  • Personal property
  • Loss of use (if the dwelling is uninhabitable due to damage)
  • Personal Liability (if your negligence caused injury to a person or his property)

The home policy is generally an “all perils” type of coverage that includes damage due to fire, theft, wind, hail, hurricanes, water and sewer backup. Earthquake is available for extra premium.

The policy provides replacement cost for both building and contents.