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Latest News from Al Hattie Insurance

Insurance Truths Tuesday

posted by Al Hattie Insurance    |   November 14, 2017 09:56

We know there are many myths & truths of insurance floating around out there & we are here to try and help bring some clarity to the issue!

 

#TruthsTuesday

 

Having Great Credit Can Benefit Your Home Insurance Rates

 

The insurance companies (currently SGI Canada & Wawanesa Mutual) have designed this new method to try to give consumers another opportunity for discounting their home insurance rates.

We need two requirements to apply the discount:

1.      Express consent- For our client’s convenience, we are capable of accepting consent or withdrawal of credit score discounts verbally.

2.      The second type of information required is your legal full name and full date of birth, this information in most cases has already been obtained in the past for other insurance purposes.


Start saving more!

Lots of our customers have utilized this discount by taking those savings and purchasing additional coverage's such as, the newly introduced Flood Coverage. New this year to the personal homeowner’s line of insurance.

A little run down of how it works; once we have obtained your consent, the score is electronically requested from our credit score provider, depending on which insurance company you are with could either be TransUnion or Equifax. Credit score is then sent from the credit bureau through a secure data transmission channel and is automatically applied to the calculation of your premium. Your consent is kept and collected until or if you withdrawal that consent, and therefore annually the insurance company will access your credit score just before the renewal of your policy. We have been reassured by the insurance companies that this will not impact your credit rating.

To top off all this great news, Wawanesa Mutual has recently increased the credit score maximum possible discount, now allowing for an even greater discount.

*Your rates will not go up if you have an unfavorable credit score.


Privacy

At Al Hattie Insurance, we take your privacy very seriously. Our clients privacy is an office practice we have taken very seriously before credit scoring even came into play. We cannot see and do not have access to your credit score information. That information is restricted to only limited employees of the insurance companies who only access it in order to do their job.


Some Tips to Improve your Credit Score:

v  Always pay your bills on time.

v  Try to pay your bills in full by the due date. If you aren’t able to, pay at least the minimum amount shown on your monthly statement

v  Try to pay down your debts as quickly as possible

v  Don’t go over the credit limit on your credit card. Try to keep the balance well below the limit, as the higher the balance the more impact it has on your credit score.

v  Reduce the number of credit applications you make.

 

v  Make sure you have a credit history. Your credit score may be low because you don’t have a record of owing money and paying it back. You can build a credit history by using a credit card as long as you use it

Brace yourselves... Winter is coming!

posted by Al Hattie Insurance    |   August 19, 2016 16:12

This morning we all felt it! Brace yourselves, winter is coming! To get prepared we have made a short list of some tips for winterizing your home this year!

-Clean or replace your furnace air filters each month during the heating season.

-If you are going away for the winter, for any duration of time, you must contact your broker to confirm you are meeting your insurance companies guidelines to ensure proper coverage is still in place.

-To help allow for good air circulation in your attic, ensure it has proper ventilation, so that hot air doesn’t get trapped in the rafters, melting the bottom layer of the snow on the roof. This is also a good time to confirm with your broker that your policy covers for ICE DAMMING as not all policies cover that!

-As a homeowner, make sure you know where to find your water shut off valve, in case of emergencies quick action could potentially save you from major damage to your home.

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Blades Autographed Jersey Raffle Winner!

posted by Al Hattie Insurance    |   April 13, 2015 15:31

We have a winner! Agnes Hyde was drawn out of the raffle on April 12 to win an autographed Blades jersey. She will be entered in IBAS's province-wide contest for the grand prize of a ttrip for two to Quebec City to attend two games of the MasterCard Memorial Cup. Thanks to everyone who entered, the Blades hockey team, IBAS, the WHL, and good luck Agnes in the final draw for the tickets to Quebec City!

 

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Community

Learning from Losses: Electric Hair Straightener Fire

posted by Al Hattie Insurance    |   February 16, 2015 07:00

LOCATION:
Town home


CAUSE OF LOSS:
Fire caused by an electric hair straightener


COST OF LOSS:
$263,000


DETAILS OF LOSS:
The insureds’ daughter was the last to leave the home in the afternoon to go to work. When the
insureds’ arrived home later they noticed smoke coming from the windows. They went to neighbour’s
house and called the Fire Department. The dwelling and contents in the basement sustained heavy
fire damage, while the remainder of the home sustained smoke and water damage. The Fire
Commissioner investigated and determined the cause of the fire to be the hair straightener left on in
a bedroom located in the basement.


LESSONS LEARNED:
When using electric curling irons, hair straighteners or other appliances that generate heat, be sure
to unplug it after each use and place them in a secure position away from any flammable materials.
Never leave your home without checking to make sure any irons, curling irons, etc. are unplugged
and in a safe location.

 

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Condo Insurance | Home Insurance | Tenant Insurance

Does your home qualify for SGI's Prestige Policy?

posted by Al Hattie Insurance    |   December 22, 2014 07:00

Your home is your family's headquarters, and it's best defense is the best insurance policy for your needs. SGI's latest insurance product is their Prestige home policy, which is aimed to provide supreme protection to Saskatchewan's rising home market. Does your home qualify for SGI's Prestige policy? You may be surprised.

Prestige home insurance is focused on providing a flexible and superior insurance coverage to tailor to each unique home situation in Saskatchewan's changing real estate market. Are you moving to a new subdivision? Are you concerned about matching siding, shingles, or flooring if a loss occurs? Have you made a substantial investment in your property's landscaping or outbuildings? Expensive hot tubs or home entertainment systems? Maybe you have a prized collection, have a home business, or store a large amount of expensive tools? You are who the Prestige home insurance is made for!

Do you know the current value of your home? Saskatchewan's housing prices have risen by an average 67% in the past four years. Your home may be worth significantly more than you realize! The Prestige policy is available to homes:

- that are worth over $350,000

- that have been built in the last 35 years (some older homes may still apply in specialty inclusions)

- you are the primary occupant and it is your principal location

- you have less than one claim on in the past three years

- that meet the Homeowners' Guarantee eligibility requirements (not under construction, not a log home, was not built with post and beam construction or non-traditional building materials)

- meet any two of the specialty inclusions! Call us to find out if your home qualifies.

 

So your home qualifies? What does Prestige offer you above and beyond what your current policy covers? In a nutshell, the benefits to SGI's Prestige home insurance are far beyond their previous plans, and are built to custom fit your unique and individual lifestyle. There are standard protections with all Prestige policies:

- Priority Claims Service

- Full Matching Roof/Siding/Flooring Replacement

- Home Systems Protection (Furnaces, Central Air, Deep Well Pumps + Pool Pumps, Electrical Power Panels + more)

- Homeowner's Guarantee Coverage

- Higher Limits on Property with Specific Amounts of Protection

- $3 Million Personal Liability Coverage

- Roof Snow Removal

- Single Amount of Protection (Providing 150% of the coverage of your home you  may allocate as you wish in case of a loss)

There are also customized lifestyle options that you may choose to add on to these standard coverages. The four options are:

- Lifestyle Option A: Home Business Owner

- Lifestyle Option B: Collectible & Treasures Protection

- Lifestyle Option C: Family & Security

- Lifestyle Option D: Recreational Protection

 

Give us a call (1-888-450-2700) or stop by our office if you would like to discuss what Prestige policy options may best suit your family's needs. The benefits and increased coverages available through SGI's Prestige policy are vast and go well beyond the major points that are highlighted here, and is offered at a very competitive pricing! Talk to us for a free quote on SGI's Prestige policy.

Full Policy Pamphlet PDF

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Home Insurance

Updates to Wawanesa Habitational Policies

posted by Al Hattie Insurance    |   December 15, 2014 07:00

Our job at Al Hattie Insurance is to make sure our clients have the best and most comprehensive understanding of their insurance. Whether it be a home, condo, auto, travel, commercial, or agro policy, it is important to stay up to date on changes to your company's policies and their wording. This blog is going to focus on Wawanesa's recently updated wordings to their habitational policies.

 

 

Companies often revise their policy wordings to stay current ad competitive. They also change to adapt to our changing needs and to ensure clarity. Wawanesa's habitational coverages haven't changed, but wordings, definitions and limits have.

'Coverage D - Additional Living Expenses' has been renamed to 'Coverage D - Loss of Use'. This is simply a cosmetic update as the three original areas of this coverage - Additional Living Expenses, Fair Rental Value and Prohibited Access - remain unchanged.

One of the main changes can be found in the Special Limits of Insurance. Here are a list of the limits that have changed:

- Money, "cash cards", bullion - $1,000

- Personal Property of a Student away at school - $25,000

- Personal Property of a dependent in a care home - $25,000

- Fur garments and garments trimmed with fur - $6,000

- Numismatic, coin or banknote collections - $1,000

- *** Collectibles, including sports cards,m memorabilia and comic books - $250/item, $5,000 total

 

Water

Regarding water and water damage there are a few things to note. Flood is excluded from Water Damage coverage. However, flooding originating from a Domestic Water Container is covered. These are defined as "a device or apparatus for containing, heating, chilling or dispensing water for personal use." Examples include swimming pools, water coolers, hot water tanks and washing machines. Ice damming is not a part of the Sewer Backup/Water Damage Extension form and is covered as a Specified Peril on all policies. Coverage for freezing water pipes while policyholder was away from the premises for more than four consecutive days will be provided if any of the following precautions have been taken:

- Arrangements were made for a competent person to enter the dwelling and/or private structures each day to ensure heating was maintained

- The water supply to the dwelling and/or private structures had been shut off and all pipes and domestic water containers were drained

- The heating system was connected to an alarm that is observed 24 hours a day by a central monitoring service

 

Condo

Condominium owners will find a new section titled "Additional Coverages - Condominium Unit Owners". This section was created to make it easier for condo owners to find coverage specific to their situation. Coverages include:

- Condominium Loss Assessment

- Condominium Additional Coverage

- Condominium Unit Owner Improvements

- Condominium Deductible Assessment

Separating these coverages allows condo owners to purchase specific additional limits of insurance to fit their needs. All Condominium Unit Owners policies will be automatically renewed with $25,000 Condominium Deductible Assessment Coverage. Policyholders will now have the option to raise their limit to $50,000, which may be beneficial for those whose Condominium Corporation's carry high deductibles.

 

Other

Other coverages have had changes as well. Pollution incidents are now restricted to the escape of a pollutant arising from an insured peril under Section I - Property Coverage. Pollutant has been defined as "any solid, liquid, gaseous or thermal irritant or containment, including but not limited to fuel oil, vapour, soot, chemicals, pesticides, herbicides, waste and smoke from agricultural smudging or industrial operations."

Wawanesa has also adopted the Insurance Bureau of Canada's (IBC) Liability wording to ensure it is comparable to others in the industry. Wordings of a commercial nature referenced previously have been removed. They have also excluded liability for claims arising from the use or misuse of social media or the internet (cyber liability).

Finally there has been a significant reduction in the paper included with the renewal policy, as the additional printed forms - such as Statutory Conditions, Limited Sewer Backup Endorsement and Innocent Co-Insured - are now included in the new wording booklet. Electronic booklets can be found at wawanesa.com.

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Condo Insurance | Home Insurance | Tenant Insurance

Customer Appreciation Day June 7th In Our Parking Lot

posted by Al Hattie Insurance    |   June 5, 2014 14:33

Join us on Saturday June 7th for our mall's Customer Appreciation Day! We will be hosting a Car Seat Clinic, a free Shred-It Station (with Food Bank donation) for your documents, and a free Child Find ID Clinic. The full day's event's can be found on the flyer below. Thank you from our family for having us as your Saskatchewan Insurance Brokerage for over 30 years!

 

 

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Community

Your Prestige Home's New Prestige Policy

posted by Al Hattie Insurance    |   April 9, 2014 16:25

SGI has just introduced their new Prestige Home Insurance policy for your higher-valued home that provides tailored coverage to suit your needs. Whether you are a home business owner, a specialty items collector, a savvy investor or have an impressive collection of recreational toys, Prestige has the right coverage for you.

 

All Prestige policies include:

Lifestyle Coverage Options - allowing you to tailor your insurance protection to your specific lifestyle needs.

Priority Claims Service - access to dedicated Prestige adjusters to provide you with faster service, including a 30-minute guaranteed response time.

Roof/Siding/Flooring - if matching materials are no longer available, your entire roof, siding, flooring or sets of vehicle entry doors will be replaced in the event of a claim.

Home Systems Protection - coverage for the sudden and accidental mechanical breakdown of home equipment such as furnaces, central air conditioners, deep well pumps, pool pumps and heating equipment, electrical power panels, and more.

Homeowners' Guarantee Coverage - coverage to repair or replace your home or outbuildings with materials of similar kind and quality, even if the cost to do so is more than what you have insured them for.

Higher Limits on Property with Specific Amounts of Protection - increased coverage for items such as tools, spare auto parts, business instruments and computer software protection, lawnmowers, tractors, snow blowers, jewelry and furs, and much more.

Personal Liability Coverage - $3 million in coverage to protect you if you are sued by someone who is hurt or whose property is unintentionally damaged because of your actions

Roof Snow Removal - access to $1000 to have snow removed from your house following a claim caused by an ice dam.

Single Amount of Protection - provides 150% of the coverage of your home, allowing you to allocate coverage as you wish towards your personal belongings, increased living expenses, lost rental income or expenses to cover the cost of being evacuated from your home.

 

Prestige Lifestyle Options

Prestige home insurance policies allow the addition of any or all Prestige Lifestyle Options tailored to your needs.


Lifestyle Option A: Home Business Owner 

Additional protection provided for:

- books, tools and instruments for your business

- business computers

- enhanced coverage for credit card/cheques or damages from counterfeit money

-increased limits on voluntary medical and property damages and lost wages

Lifestyle Option B: Collectables & Treasures Protection

Make sure your lifetime of memories is not lost in an emergency by selecting this option that covers:

- per-item protection for priceless comic books and trading cards

- enhanced protection for jewelry, watches or gems

- extra coverage for furs, manuscripts, stamps or coin collections

Lifestyle Option C: Family & Security

Get additional protection for the security that matters with Option C:

- enhanced limits on identity theft protection

- additional coverage for securities and bonds

- protection on bullion, money and gift cards

- additional coverage for childcare costs or loss of income to attend to a home insurance claim

- enhanced coverage for cemetery property such as burial plots

Lifestyle Option D: Recreational Protection

You take care of your quality of life and the value of your home, and you need protection to match:

- increased limits on shrubs and outdoor trees

- enhanced boat and motor coverage

- increased protection for pets

- enhanced protection for bicycles, tricycles or similar, including accessories

- enhanced coverage for yard machines

- increased lock replacement coverage

 

The new Prestige home insurance policy also provides you with an enhanced Customer Claims Service, which includes a 24/7 dedicated claims line, 30 minute response time, faster payment process and a dedicated adjuster from start to finish. Stop by our office or call 306-955-2700 if you think Prestige is the right policy for your home or if you require any further information.

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Home Insurance

Nice Place! Is It Properly Covered If It Breaks?

posted by Al Hattie Insurance    |   January 9, 2014 15:55

Got some new gadgets in your home, maybe a radiant floor or some valuable mobile medical equipment? Wawanesa offers Saskatchewan residents a Special Limits Enhancement that can be extremely useful on your home or condo that not only increases some of your existing coverage limits but adds coverage to key systems you rely on in your everyday life. This Home Equipment Breakdown coverage is extremely handy in covering costly gaps to basic policies, protecting you from expensive repair or replacement to key pieces of equipment and systems.

The Special Limits Enhancement raises limits to these existing coverages:

- $20,000 Jewellery and Furs

- Personal property of a student away at school

- Watercrafts

- $20,000 Building Bylaws Coverages

- $20,000 Fire Department Charges Coverage

- Home Freezer Contents

 

The Special Limits Enhancement also adds $50,000 Home Equipment Breakdown coverage for equipment, systems, and personal property that includes:

- Central air conditioning

- Boilers, furnaces and heat pumps

- Radiant floor heating

- Pool and spa pumps, heating and filtration

- Electrical service panels

- Home security monitoring and control devices

- Kitchen and laundry appliances

- Home entertainment equipment

- Computers, peripherals and wireless devices

- Mobile medical equipment

- Portable generators and sump pumps

 

If you would like more information regarding Wawanesa's Special Limits Coverage, please give us a call at 1-800-450-2700 or 306-955-2700.

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Condo Insurance | Home Insurance

Individual Claims In Saskatchewan Exceeding $2 Million, Are You Covered?

posted by Al Hattie Insurance    |   November 19, 2013 15:13

We strive at Al Hattie Insurance is to ensure that as a policy holder at our office you are properly covered under your insurance to cover modern claims scenarios in Saskatchewan. In years past, $1 million in liability coverage to a home, tenant, condo, or auto policy may have seemed more than enough. Unfortunately, this year has seen several claims rising not only above the $1 million but $2 million mark. Due to this trend, we are making sure that our customers are aware of the rising cost of fire and other claims to make sure they are fully covered in case of an accident.

 

A major fire claim in May this year was one of several incidents that show that rising cost of living and growing density in the city and province inevitably are leading to higher and higher claims. As people's busy lives don't always leave them enough time to or to study the claims market, we strive to make sure that you as the insured are provided with coverage that will do what it is supposed to in case of an emergency; make sure you are going to be covered in case of incident.

 

As of Jan. 1st 2014 all home, condo, tenant, and auto policies are going to be automatically renewed with $2 million liability coverage. We have unfortunately seen claims in the province that are well exceeding the previous standard of $1 million liability coverage and we don't want you to be paying for insurance and still end up with an enormous bill at the end of the day when an accident occurs. On most policies, to raise liability coverage from $1 million to $2 million will only see an increase of $1-$2 per month per unit on your current policy. $2 million liability coverage won't be mandatory, but will now be recommended for all policies as a minimum limit. If you feel like you are at risk of needing higher coverage, it is possible to also purchase up to $10 million liability coverage when you add an 'Umbrella' liability policy.

 

If you have questions regarding your policy, getting your coverage changed or increased, or don't know what coverage is best for your needs, please call us (306-955-2700 or toll free 1-888-450-2700) or stop by our office at 3020C Arlington Ave and talk to one of us.

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