Are you shopping for homes in Dartmouth? Maybe you already have a home and you would like to get a better deal on Home Insurance. A home is your biggest investment and it should be protected from all kinds of hazards that can occur. In fact, having the right kind of insurance can get you through some of life’s most difficult times. Let’s look at the example of George and Vilma R.
Vilma and George lived in an apartment for several years while they saved enough money for a down payment on a house. The home they bought was not in perfect condition, but the couple worked hard to get everything in shape. They spent many hours in the evenings and weekends on several remodeling projects and after a few years, they had things just the way they wanted. However, they did not realize that everything can be taken from you in an instant.
One warm summer afternoon, the couple went to George’s parent’s house to spend a few hours visiting and while they were gone, the weather turned bad. In fact, a large line of severe thunderstorms swept through Nova Scotia that day with hail, wind, rain, and intense lightning. During the storm, lighting struck near George and Vilma’s house causing an intense power surge. This created a fire inside which quickly engulfed their beautiful home in flames. It did not take long to destroy everything of value.
The following morning, the couple walked in the rubble to see if they could salvage any remnants of their memories and as Vilma cried, George reminded her that they would rebuild their home and their lives. When they bought their house, George talked to his Homeowners Insurance professional and had taken his advice on complete replacement coverage, and it paid to rebuild their house. Today, their home is one of the most impressive houses on the block.
Insuring your property is essential as it will take care of hazards like these:
Do you own the house that you live in? It needs protections and so do these types of residences:
Standard Home Owners Insurance policies really do not exist because everyone’s living situation is unique. For example, you could have a home that is similar to a neighbor but the contents and landscape may be completely different. Most policies should include protection from interior and exterior damages and also legal liability insurance. This is very important because someone could sue you for damages if they were injured on your property. Your insurance professional will show you what coverage items you should consider.
Most home owners have several options to think about. For example, George and Vilma chose replacement cost coverage instead of fair market value. Had they taken the cheaper option of market value, they would have received thousands of dollars less, and been unable to rebuild. Many couples fail to realize just how expensive it is nowadays to replace a home with rising construction costs and inflation.
When you consider insurance options make sure that all possible perils are covered. Here are ones that you might want to include in your policy:
The best time to think about peril coverage is today. If you wait on this decision, it could be too late, as disasters occur when you least expect them.
Multiple policy discounts are also available. Some providers offer lower rates when you insure your home, car, and life, with them. The savings can sometimes be substantial.
When you shop for Homeowners Insurance, ask about deductible amounts. Your rates may be much lower if you raise the out of pocket expense (deductible).
Maybe you have a finished basement or attic that you would like to rent out to help make the house payment. Talk to your insurance professional first, as you may need extra coverage.
If you are looking for property insurance in Dartmouth, come to experienced professionals like the people you will find at Founders Insurance Group. We have been helping people for over 30 years and we are an independent agency. We can get you some of the best deals on insurance in Nova Scotia. Here are some ways we can help:
Founders Insurance Group is here to serve your insurance needs at our branch in Burnside branch. Contact us today about all of your insurance needs by calling 902-468-3529 or toll free 1-877-798-5981.
WRASCIALLY WABBIT?!? We have been with founders for 17years! Recently we were driving on the Highway when a Rabbit yes a Rabbit literally jumped out in front of our Newer Sante Fe and jumped right at our Vehicle!!! We thought wow bet that will leave a mark. When we got to our destination you can imagine our shock when part of the rabbit was still in our bumper!! I called Janice Pottie whom I have dealt with for years and she advised us quickly on what to do and we called the 1800 number to report it. Janice has always been so great with us, its like I have known her for years and have never met her in person. Liam was great to deal with and followed up to make sure we were happy with the work done, the rental etc. Who would have known a "WRASCIALLY WABBIT" could cause so much damage!!! Thanks again.
Beyond the Call of Duty My daughter and I were in a car accident on December 11th. I was told on December 22nd that my car was a total loss. I was called by Janice Pottie on December 23rd to let me know that the cheque had arrived. I was very thankful for her call and email. She had told me which documents I needed to pick up the cheque. I arrived after the office was closed, however Steven Taylor stayed late until I arrived. I arrived with the wrong paperwork. I then asked Stephen if he could meet me in the office once I found my paperwork, which we thought would be between Christmas and New Year. However, I had gotten home and found the paperwork that Aviva required. I called Stephen and he came back to the office to meet me! In my opinion, that is way above the call of duty! I have so much respect for him and I want to let you know that he deserves to be thanked. Again, hats off to your company and the fabulous staff you have working there! Again, from the bottom of my heart: Stephen, thank you so much! All the best in the new year!
Coverage We Need, Rates We Can Afford I went to Founders Insurance in the Lunenburg office 20 years ago at the age of 23 when I bought my first new car. I lived in Bridgewater at the time, but had been told of the great service and reasonable rates in Lunenburg by a few friends. I was not disappointed! I have been dealing with Karen Wardell since that time. I got married, purchased several vehicles, two homes and started a business with my husband in the 20 years after that and Karen has always been there to help us find the balance between having the coverage we need at rates that we can live with. We have had a few accidents along the way and Karen's service has always been consistent, professional and understanding. I live away from Lunenburg now, but have no trouble dealing electronically with the office.
Going the Extra Mile From working in customer service myself, I know it can be a challenge dealing with all types of people. Sadly, the public is the first to make a complaint, but never a thank you, it seems. Peter Aalders was a pleasure to deal with and certainly gave me the information accurately and promptly. Peter even commented on the discounts he applied and the different companies he contacted to give me the info I needed to make my decision. That was the 'extra mile' he gave to an unknown caller. Thank you for such prompt response and being so courteous on the phone to me, including the receptionist!
A Quick Turnaround Peter was fantastic! I called in a bit of a panic needing insurance on my rental. Being out of the province, I thought things would take a while and be much more difficult. However, with Peter taking care of it, he had everything completed and the insurance active within a couple hours. He was simply amazing. Thank you Founders Insurance for taking this stress off my plate and putting my mind at ease.
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