Many people in Dartmouth choose to rent their homes instead of buying, and there are several advantages to renting. For example, you do not have to worry about home maintenance and if the plumbing or roofing has a problem, it is not your concern. This can take a great deal of stress from daily living. However, even renters need to consider insurance and without a good Tenant Insurance policy, you could have a lot of financial problems to deal with. Here is a good example.
Fred and Martha lived for many years in their house and once the kids were grown, they didn’t want to deal with all the work and upkeep. In fact, Fred wanted to take it easy and not worry about mowing the lawn, trimming trees, or shoveling snow, so the couple decided to sell their house and move into a beautiful apartment in Halifax.
Martha and Fred would not just save a lot of time, they would save on insurance because they would no longer own a house. Once the house was sold, the couple got ready to move and it didn’t take long before they were in their new home.
Life was much easier and because Fred was retired he spent a lot of time on the golf course when the weather allowed. The apartment complex also had a convenient club house and swimming pool, and they got to meet a lot of people and make several new friends.
One evening, Martha and Fred returned home to a huge mess. Someone had broken into their apartment and stole many things of value, including Fred’s coin collection and Martha’s best jewellery. In addition, the thieves had completely trashed the interior, looking for items of value. The total loss to the couple was more than $10,000 and they were devastated.
Fred had been meaning to talk to his insurance broker about Renters Insurance, but never got around to doing so. As a result, he and his wife had to deal with the terrible loss, extensive cleanup, and repairs that followed. If only Fred had taken out a renters policy before this happened, everything would have turned out differently.
Renters face many of the same problems as home owners when it comes to insurance. In fact, no matter where you live (including an apartment) you are not without risks and a renter’s policy is designed to cover those risks, and reimburse you when disaster occurs.
Do you rent or lease your current residence? If so, you should consider insurance for renters. This includes:
When you rent your home you should protect the contents. Here are reasons why:
You also should consider liability coverage. Some things may be the landlord’s responsibility, but these things may be yours:
You have several options to consider for your insurance, like these:
You could go to many different insurance sources in the Halifax area and find some good policies. However, if you want to make sure you have the best possible coverage and the lowest rates, consider talking to an experienced insurance professional from Founders Insurance Group.
When you get Tenants Insurance from an agent that represents only one company, you are very limited in your choices. That is why you should consider an independent agency like Founders Insurance Group, because we do business with many high quality insurance companies in Canada. We can provide you with an affordable standalone policy and if you want to combine your policy with your Auto Insurance, you can maximize your savings. We also offer low limit policies for those just starting out in apartments.
Founders Insurance Group can help you with all your insurance requirements including life insurance, and insuring your home based business. We have been helping Nova Scotia with its insurance needs since 1982. If you would like to talk to us about Tenants Insurance, you only need to pick up the phone and call 902-468-3529 in Dartmouth. You can also call us toll free at 1-877-798-5981.
I wanted to put in a good word for Janice who has been absolutely excellent to work with. I had been with another company for many years and was just introduced to Janice via my boyfriend this year. She has been very efficient and knowledgeable! A real pleasure to work with.
Very Pleased Janice Pottie was extremely helpful in finding a better rate for both our home and boat insurance, and I am very pleased with how quickly she was able to obtain the quotes and make the arrangements with the new insurance companies.
I have been a client of Janice Pottie for about 9 years for both my house and auto insurance. I just wanted to let you know that Janice has always provided top notch customer service and has always provided me with efficient, reliable information. Sometimes brokers (insurance companies) get a bad rap with respect to quality customer service. This has never been the case with Janice and I felt it was important to give credit to someone where credit is due. You’ve got a great employee!!
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.
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!
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