Frequently Asked Questions
A deductible is the amount you must pay when filing a claim. The insurer covers the remaining costs related to the loss.
Start by contacting a member of our team. We’ll direct you to a claims expert from your insurance company. They’ll take care of your claim, while your broker ensures everything goes smoothly.
Yes. Even if you stay in the same building, you must inform your broker of your change of address so they can update your policy. For example, if you move to a lower floor, you might be at higher risk for water damage, and your broker needs to ensure your coverage amount is adequate.
Yes. Better fire prevention can lead to additional discounts on your insurance policy. In the case of sprinklers, you could get up to an extra 10% discount!
Yes. The shed is considered an outbuilding, and the contents are covered according to the limits stated in your policy. Don’t forget to notify your broker so they can ensure the coverage amount is adequate.
Yes, this ensures coverage for their belongings and personal liability. Additionally, your new roommate can affect the insurer’s risk assessment of your situation. For example, if they are a member of a professional association, you may be eligible for additional discounts!
Yes. Inform your broker about all your pets. They may be covered under your liability insurance (for example, if your dog bites someone). Some insurers have exclusions for certain animals, so letting your broker know ensures you’re properly protected.
Yes, every person living under your roof must be listed with your broker. Additionally, your home insurance policy should be updated, since their belongings will now be covered too.
It depends on your policy. They’re generally covered in case of theft, but some limits may apply. You can also purchase specific coverage for valuable items.
Yes. Let your broker know so your policy can be updated. Renovations might qualify you for extra coverage or discounts. It’s also important to recalculate your home’s reconstruction cost since renovations can increase its value.
