Home Insurance - What's Not Covered

Home Insurance – What Isn’t Covered? (And How to Protect Yourself) It’s good to know what your home insurance policy covers; but it’s also important to know what it doesn’t cover. You may need additional insurance coverage for certain things that may not be included in a typical home policy depending on where you live or your situation.    Here are several things that aren’t typically covered in a standard home policy, and what you can do to ensure you’re protected: Sewer Backup Coverage & Extended Water Damage Coverage Sewer Backup…

Why Tenant Insurance Is a Must

Why Tenant Insurance Is a Must Usually when you think of home insurance, you associate it only when purchasing or owning a home – it’s not often connected with renting an apartment, townhouse, single family home, or even student housing. No matter what kind of home you are renting, tenant insurance is a must-have, and we have all the scoop to keep you in-the-know. Why do I need Renter’s Insurance? While the landlord or owner of the building is responsible for making sure the building itself is covered (including fixtures,…

What does a homeowner's insurance adjuster do?

Insurance claims adjusters have several clearly-defined roles. These roles require adjusters to speak with many different policyholders. If you hold a homeowner's insurance policy, chances are good that you'll deal with a claims adjuster at some point during your tenure as a homeowner. The interaction with a homeowner’s adjuster could be over the phone or in person, and usually the interaction is relatively brief and highly formal and scripted. The roles and responsibilities of a typical claims adjuster are common knowledge. Read on for more information about a homeowners insurance…

Some signs that you may be dealing with a dishonest insurance agent

How do you know if your insurance agent or broker is dishonest? It can be difficult to know for sure, but there are some red flags you should watch out for. As a customer looking for an insurance policy, it is important to find a broker or an agent that has your best interests in mind. Nobody wants to be taken for a ride by an insurance agent who is just pushing their company’s products in order to make the commission on the sale. The following list provides some signs…

What to Know Before Lending Your Vehicle

What You Should Know Before You Loan Your Car to Someone   With moving season and students preparing to head back to university this month, we start hearing the question more and more “Can I borrow your vehicle for the move?” Most of the time you want to say “No problem!”. But before you hand those keys over, it’s important to know what coverage you have and any ramifications of lending your vehicle out to a friend. When you loan your car to a friend or family member who is…

Some of the top reasons why insurance won't cover you in a crash

Car insurance can be a tricky thing. You pay for certain coverage in the result of a car collision, but the only way to test your insurance is when something bad happens, like a car collision. All that legal fine print and those payout limits may seem agreeable in the abstract but you can often discover the cold, hard facts are little balm when facing the emotional, as well as physical, fallout from a collision or claim. But what if you’re doing things that could result in you having no…

Some common types of small business insurance that you should have

Your business may have many assets: vehicles, office space and equipment, inventory, an indispensable employee or partner and, most importantly, yourself. To protect these assets and to protect your business from potential risks, you should consider getting insurance. All businesses take some risks, but taking too many risks or failing to protect yourself does not make good business sense. Consider some of the following types of small business insurance that are common with business owners. General Liability Insurance: Every business, even if home-based, needs to have liability insurance. The policy…

Choose Your Insurance Agent Wisely

10 characteristics of a successful insurance agent There are many advantages of going into the insurance industry. An insurance agent has flexible hours, independence, and gets to help clients solve problems. It is not a career for everyone though. It takes a certain type of person to thrive in this unstructured, fast-paced industry. Read on as we take a look at some of the common characteristics that successful insurance agents share. Problem Solving: Do you enjoy coming up with creative solutions to problems? Much of this job is helping clients…

Finding a Place to Rent

Finding A Place to Rent   With another school year just around the corner, finding a place to rent is in high demand, which makes sense when you consider all the college and university students looking for a place to room, and the nice weather making moving conditions ideal. It’s an exciting time, but can also be overwhelming. Before you stress out, take a deep breath and take a look at some of these helpful tips on finding the perfect place for you and making the move easier. First Thing’s…

Fire Safety Tips

Fire Safety Tips July 15 is Pet Fire Safety Day, and while it’s important to know how to keep our furry family members safe, it’s also important to make sure we know how to keep ourselves and our property protected in the event of a fire. Here are some tips on making sure you keep yourself, your family, your furry friends, and your possessions safe. Safety Tips for Pets Whenever you are not home, try to keep your pets near an easily accessible entrance in case a rescue is necessary.…
Our trusted insurance partners

Billyard Insurance Brokers

Billyard Insurance Group Inc.
38 East Main Street, Welland, L3B3W3
Local Phone (905) 346-2190
Toll Free (855) 843-1570
Fax (866) 540-6870
www.thebig.ca

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