Lots of good stuff to write about from this poll, including the fact that people share when they’ll be away from home on social media channels, don’t keep front walkways clear, and don’t leave information when they ding cars in parking lots. Frame again as helpful, with items like exchanging insurance information can leave you much less out of pocket than settling with another driver with no insurer involvement.
A recent poll shows that Canadians are a bit more careless when it comes to situations involving their home and car accidents than most of us would like to admit.
The good news is that those with home insurance are more likely to take care of basic maintenance items that could end up costing money.
First Order of Business: Have Home Insurance
While the poll shows that 89% of Canadians have home insurance, that also means 11% of Canadians do not. Since home insurance is generally a requirement of mortgage holders, this number can only reflect renters and people who no longer have a mortgage on their homes. If you’re in either of these categories, contact us to get a quote on home or contents insurance; you’ll be surprised at how inexpensive it is, and you’ll be covered should anything happen to your home or apartment.
Shoveling Walkways in Winter: Not Just for The City
According to the poll, 15% of Canadians don’t keep walkways clear of hazards. If you live in any regulated municipality, chances are good there are bylaws which require you to clear any sidewalks in front of your home of snow. This isn’t just something you want to do to avoid a fine from the city; a slip and fall case could potentially cost you money. This is especially important for businesses, who are the most frequent targets of slip and fall cases.
As a business it is your responsibility to keep your workplace hazard free - here is a great resource for learning more about what this means to you!
If you aren’t sure that you can clear snow because of advanced age or a disability, make arrangements with neighbours, family or a service to have it done for you to manage your risk.
Arrange for Check-Ins When You’re Away From Home
Almost one in four Canadians don’t make arrangements for someone to check their home while they are away. This is especially important in the winter, since most home insurance policies won’t cover damage from burst pipes if you haven’t made arrangements for someone to check on your home if you’re going to be away for more than three days.
Some insurers will accept an alarm system that also monitors temperatures, appliances and other items as a reasonable substitute, but you should check with your broker to see what your particular policy says before installing one.
Don’t Settle With Other Drivers Without Calling Your Broker First
Almost 25% of Canadians have settled with another driver without involving insurance. This is another area where having a broker can really help you out; we’ll always be there to answer questions for you about whether settling with another driver is a good idea. In many cases, it isn’t as there may be hidden damage to your vehicle that you can’t see. But if your car looks like this... a call to your broker is the best way to go for sure!
It’s very easy to be unintentionally careless about things that may affect your insurance, but your broker can help you sort out any questions you’ve got about your insurance and what you need to do with your home to keep your policy in good standing. Our brokers are painstakingly thorough when it comes to communicating with our clients, and we hope you’ll give us a chance to show you how big of a help we can be.