Video | Preventing Water Damage

 

INSURANCE FACT:  water and wind damage caused by severe weather account for half of all property insurance claims.

 

water damage is a major concern in most canadian homes, but you can stop most problems before they start with a little routine maintenance.  in this helpful video from intact insurance, you will learn a few simple tips to help keep your home safe and dry.

“an ounce of prevention is worth a pound of cure”

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On March 31st, 2016, posted in: Uncategorized by

Special Events Liability Coverage

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who doesn’t love to throw a party, have a wedding or even host a ball tournament.   with special events liability insurance you will have short-term comprehensive coverage and the comfort knowing that you are protected in the event the unexpected happens.

at sproule insurance we can customize a package for you and your unique event, including but not limited to:

  • limits of liability up to $5million
  • liquor liability
  • medical expense coverage
  • non-owned automobile coverage

contact us today for more information or a quote.  happy party planning!

 

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On March 9th, 2016, posted in: Uncategorized by

do i need renters insurance?

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yes!  if you rent your home, apartment, or condo, your landlords property insurance will not extend to cover your personal belongings or liability for accidents in the case of fire, theft or many of the other important perils covered by this policy type.  a tenant or renters insurance policy will provide you with the necessary coverage for the things you want to protect.

 

four benefits of renters insurance:

  1. protecting your belongings |  your possessions have value.   replacement costs for clothing, electronics and furniture add up quickly. taking a home inventory will allow you to see that value and assess how much coverage you need.
  2. liability coverage |  as a renter you are financially responsible for any damage to the property or injury to people that you many cause.  a faulty toaster that starts a fire, or a burst line in your washing machine, the replacement and repair costs add up quickly.  you are also protected in the event someone injures themselves in your residence.
  3. additional living expenses |  if faced with significant damage to your residence leaving you without a place to live, costs for a hotel room, alternate rental and potentially even meals are covered.
  4. affordable protection |  premiums are really low and can be offset when combined with an automobile insurance policy.  additionally, you will be provided with peace of mind knowing you are covered in the event of a loss.

 

for more information on tenant insurance or to obtain a quote please contact us today.

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On February 23rd, 2016, posted in: Uncategorized by

hole-in-one insurance

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with golf season mere months away, corporations will once again be looking to generate excitement and competition at their next golf tournament with a hole-in-one prize.

hole-in-one insurance allows the tournament sponsor to leverage a relatively small expenditure into a major prize, transferring the risk of a contestant winning the prize to an insurance company and off of the individual or corporation sponsoring the event.

 

hole-in-one policies include:

  • coverage for prizes up to $75 000
  • competitive premiums
  • an extra 20% of the prize amount to be donated to the charity of the winner’s choice
  • colourful banners and signs to display at the golf course

 

for more information, or to obtain a quote on hole-in-one insurance, please contact our office.

 

let the golf season begin.

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On February 19th, 2016, posted in: Uncategorized by

tips for protecting your home while on vacation

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holding house representing home ownershipwinter in canada often has us ready to trade in our boots for sandals, and snow for sandy beaches.  whether you are looking to escape for a quick weekend excursion or for a couple weeks of vacation bliss, you’ll want to take some extra safety precautions to ensure your possessions and home remain safe and intact while you and your family are enjoying some rest and relaxation.

 

here are a few tips to keep in mind before you leave:

  1. hold your mail – this is as simple as putting a hold on newspaper subscriptions or asking a trusted neighbour to pick up any flyers or papers piling up on your doorstep.
  2. alert your alarm company – contacting your provider ahead of time is always smart.  ensure that before you leave, you have all window and door alarms on.
  3. make it look like you are home – set light timers and tv timers, leave a car in the driveway, and depending on season, arrange for someone to shovel the walk or mow the lawn.
  4. keep quiet on social media – announcing vacation on any media platform will alert everyone that you are away.  instead, enjoy your time off grid and share stories upon your return.
  5. lock up your valuables – jewelry, rings, and other important documents should be placed in a fire-proof safe.
  6. turn off main water supply – this will help prevent any catastrophic water damage due to leaky lines or burst pipes.
  7. arrange for someone to come check on your place in compliance with what your insurance policy states, if unsure contact your broker.
  8. rest easy, you’ve taken all the necessary precautions, enjoy yourself.
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On February 18th, 2016, posted in: Uncategorized by

waterproof coverage

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nearly one in three Canadians aren’t aware of  what water coverage they have or need.  many companies are offering new forms of water insurance coverage, but coverage can differ greatly from one policy to the next.  as such it is important to talk to your broker to help you navigate which policy is best suited for you.

 

RSA now has two simple options for flood and sewer backup coverage:

 

waterproof coverage:

this policy offers an enhanced protection against damage caused by storm activity and flooding, eaves, downspouts, drains and sewer backup.  most home policies do not cover such damage.  however, if you qualify for this coverage you will not longer need to determine whether the damage was caused by sewer backup or flooding.   you have the confidence of knowing that you’re covered.

 

sewer backup coverage only:

for those homeowners who choose to keep their premiums as low as possible, RSA has maintained their limited version of sewer backup coverage.  with this policy, only damage caused by sewer backup, septic or sump losses are covered.

 

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to learn more, or to make any adjustments to your current water coverage, please contact our office today.

 

 

 

 

 

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On January 6th, 2016, posted in: Uncategorized by

happy new year!

 

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as we prepare to close the chapter on 2015, we want to take this time to thank you our clients for your continued support.   it has been a wonderful year and we are excited to see what 2016 will bring.  best wishes for a healthy and happy new year from our family to yours.

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On December 31st, 2015, posted in: Uncategorized by

Travel Insurance | TuGo

please be advised, effective today, June 23rd, Travel Underwriters is now known as TuGo.

TuGo will still offer the same premier travel insurance that our customers have been privileged to in the past, however some of the product names have since been rebranded as more modern and intuitive.

 

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we look forward to continuing and cultivating our relationship with TuGo as we provide our clients with the best in travel protection.

should you have any questions, feel free to give our office a call at any time.

 

 

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On June 23rd, 2015, posted in: Uncategorized by

Motorcycle Insurance

with temperatures on the rise and snow cleared from the roads, it’s time once again to think about motorcycle season.

whether it’s your standard bike or off-road type, at Sproule Insurance we can assure that you are protected however and where ever you ride.

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partnering with Intact Insurance, we can set up  a standalone policy or combine it with your current home and auto package, giving you peace of mind that you and your bike are protected.

what we cover:

  • standard, custom-built, dual-purpose, cruisers and off-road bikes
  • with a value of up to $60,000
  • physical damage for motorcycles up to 25 years of age

additional benefits:

  • discounts for insuring two or more motorcycles on the same policy
  • discounts for experienced and claims-free drivers
  • bundled pricing discounts when a motorcycle is added to your current Intact Insurance auto insurance policy or bundled home and auto insurance policy

please contact our office today for a quote, so we can connect you and your bike to the open road and all that summer has to offer.

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On June 8th, 2015, posted in: Uncategorized by

New Online Quoting Capabilities

we are excited to announce that we now offer online quoting capabilities on our website.  this new and exciting feature allows you to provide us with details of your insurance requirements when it is most convenient for you.

our aim at sproule insurance is to continue to provide our customers with ease of access to our insurance products, while continuing to do so in a manner that is both efficient and effective.  we hope that you find this tool as exciting as we do and we look forward to continuing to be your broker of choice.

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On May 8th, 2015, posted in: Uncategorized by