recreational vehicle insurance | preparing for summer travel

with the may long weekend in reach, so to is the return of camping season.   a long awaited/much overdue time for those of us who own recreational vehicles.

a standard auto insurance policy coverages liability and can cover physical damage, but with the proper RV insurance you are protected against other risks like loss or destruction of personal property.

please contact us to discuss the type of RV you own and your plans for use, so that we can ensure you are properly covered and protected while you enjoy every minute of it.

and before you hit the open road, here are some helpful summer travel tips to get your RV ready:

• begin by cleaning and inspecting it from top to bottom, noting any damage
• check the maintenance book and records to determine what  items were done prior to storage and what is due now
• set tire pressures, check the fluid levels in the engine and genset differential and transmission
• charge the batteries, clean the terminals and check electrolyte levels
• flush out the freshwater and holding tanks
• check air filter and replace if needed
• remove any cobwebs or debris, and test the refrigerator and water heater

source: motorhome.com

creating a home inventory | printable form

spring isn’t just for cleaning, it’s also a great time to re-evalutate your insurance coverage to ensure that your home and all of it’s contents are accurately accounted for.

a personal property inventory form is a great tool to determine the level of coverage you require for your home and all of it’s contents.  in addition, to acting as a thorough record in the event that you need to make a claim.

• note the approximate replacement value of each item, along with makes, models, serial numbers and other identifying marks.
• keep receipts for major items, if possible.
• draw up a list of all the items in each room and remember to update it as needed. alternatively you can take photos or videos your belongings.
• store your inventory records in a safety deposit box or other secure location away from your home. this will simplify things should you need to file a claim.

please review this document annually or update it anytime you acquire or discard of assets.

should you need to make adjustments to your current policy please contact our office.

we’ve turned two.

happy birthday to us.

as we prepare to cut the cake and celebrate year number two, it doesn’t go without notice that it wouldn’t be possible without the continued support and patronage of our clients.

thank you!

we look forward to celebrating many more milestones with you, and providing you with new and innovative insurance products along the way.

cheers.  it’s candle lighting, cake cutting time.

Intact Insurance | Lifestyle Advantage

Sproule Insurance partnered alongside Intact Insurance, is now pleased to offer our clients a new innovative product, Lifestyle Advantage.

This new policy offers you the flexibility to rebuild your life,  your way.

Lifestyle Advantage benefits include:

• In the event your home is a total loss, you can choose to have the claim settled on a replacement cost basis with no requirement to rebuild the exact home
• Loss of home contents can be settled on a replacement cost basis, with the option to accept a cash settlement
• Claims Free protection on your property
• The property deductible is waived on your first eligible property loss
• Coverage for a dependent residing in a Health Care facility
• A waiver of auto deductible  for covered total loss
• A waiver of auto deductible in the event of a hit and run

To be eligible for Lifestyle Advantage, you must be:

• 50 years of age or older and living outside of Atlantic Canada, OR licensed 34 years or more within Atlantic Canada
• 3 years free of property claims

We are pleased to be your broker of choice and to continue to bring new innovative products for all of your insurance needs.  Please call us today to find out if Lifestyle Advantage works for you.

esignatures | paperless, secure & convenient

At Sproule Insurance we believe in streamlining the insurance application process and have taken an environmentally friendly approach by going paper free.  Our use of esignatures has enabled us to offer our clients a safe, secure and easy approach when completing an insurance transaction.

Last month Jay Sproule was asked to be a panelist on a discussion about esignatures during a webinar with CSIO.

For further information or to listen to the webinar please click image below.

happy new year

as we prepare to close the chapter on 2014, we want to take this time to thank you our clients for your continued support.   it has been a great year and we can’t wait to see what 2015 will hold.  best wishes for a healthy and happy new year from our family to yours.

SGI Energy Pak Insurance

the benefits:

this all-in-one package covers both property and liability losses offering you worry free protection so your business can focus on getting the job done.

Private Client Insurance

Sproule Insurance is excited to be partnering with RSA to offer private client insurance.  Insurance coverage tailored for the unique needs of our clients.

Whether it’s a seasonal home, precious jewellery, a pleasure craft, a cellar of fine wine or a valuable art collection, our clients treasured possessions are more than mere assets, they are experiences worth preserving.

Enhanced features offered by private client insurance

• additional living expenses
• $25,000 coverage for wine spoilage and breakage
• $25,000 global limit for jewellery, furs, stamps and coins
• optional cash settlement on building and/or contents
• $25,000 waiver of deductible

At Sproule Insurance we are committed to offering our clients the best insurance products and services available, bringing comprehensive, customizable coverage to meet the unique needs of the individual.

Insurance is Evolving

Insurance is evolving which means pricing and policy models are changing.

In order to provide insight on this, Intact Insurance has created a website dedicated to addressing these changes. They also provide tips to mitigate losses, statistics, and further outline what insurers are doing to help.

Feature in Canadian Underwriter Magazine: Electronic Signatures

Sproule Insurance has been featured in the February 2014 edition of Canadian Underwriter Magazine.

In the article we discuss the use of electronic signatures in our business and how it has simplified the process by creating a seamless digital insurance transaction.

For more information and to read the article (page 16-18), please click on the logo below.