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Latest News from Al Hattie Insurance

Funny Retro SGI TV Commercials featuring Brian Trottier and Clark Gillies of the NY Islanders

posted by Al Hattie Insurance    |   February 18, 2013 03:41

Check out these humorous vintage SGI ads featuring NHL hockey players Brain Trottier and Clarke Gillies of the New York Islanders. Most of their safe driving tips still apply!

 

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Driver Safety

Condominium Unit Owner's Insurance Options

posted by Al Hattie Insurance    |   February 18, 2013 03:14

As a condominium owner in Saskatchewan it is important to know your insurance options, as even though your condo corporation may have it's own policy to cover the property, common areas, and structure, this will not cover your belongings, improvements you have made to your unit, or personal liability. SGI Canada offers the following Condominium Unit Owner's Pak options.

Condominium Unit Owner's Pak A

Protects your belongings against loss or damage resulting from:

- fire or lightning

- explosion or implosion

- smoke

- falling objects

- impact by aircraft, spacecraft or land vehicles

- riot

- vandalism

- water escape and rupture

- electricity (power surge)

 

Condominium Unit Owner's Pak I

In additional to Pak A coverage, Pak I also covers:

- glass breakage

- theft, including damage caused by attempted theft

- loss or damage to items being transported, caused by an accident involving the transporting vehicle

 

Condominium Unit Owner's Pak II

In addition to Pak I, includes comprehensive coverage for yout belongings (subject to certain restrictions).

 

Important Features

All packages come with several important features for no additional cost.

 

Personal liability coverage

Also included with all packages, this coverage protects you in case you're found legally responsible for bodily injury to someone else or for damage to their property. This is a $1 million limit in personal liability coverage to cover:

- court costs, legal fees and certain other expenses associated with your defence in the event of a liability suit

- voluntary medical payments up to $5000 and voluntary property damage payments up to $5000, even if you're not legally liable

 

Improvements and Betterments Coverage

All SGI Condominium Unit Owner's Paks automatically provide 200% of the belongings amount in coverage for any improvements you make to your condo. You can increase this amount for an additional premium charge.

 

Contingent Coverage

This provides protection for your unit in the event the condominium corporation's insurance is inadequate.

 

Additional options

- Identity Theft Coverage

- Excess Protection - premises improvemnts

- Increased Limits Coverage

- Special Belongings Coverage

- Sewer Backup Coverage

- Voluntary Fire Fighting Coverage

- Watercraft Coverage

- Seasonal Home Coverage

- Rental Home Coverage

 

Further information can be found in our Condo Insurance section.

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Condo Insurance

SGI's Tenant Pak Options

posted by Al Hattie Insurance    |   February 17, 2013 22:36

If you rent a house or apartmentin Saskatchewan, you have special insurance needs. Even though your landlord may have an insurance policy on the dwelling, you'll need your own insurance to protect personal items. There are several options available through SGI.

Tenant Pak A

Protects loss or damage from:

- fire or lightning

- explosion or implosion

- smoke

- falling objects

- impact by aircraft, spacecraft or land vehicles

- riot

- vandalism or mailcious acts

- water escape and rupture

- windstorm or hail

- electricity (power surge)


Tenant Pak I

In addition to Tenant Pak A, this adds protection for:

- theft, including damage caused by attempted theft

- loss or damage to items being transported caused by an accident involving the transporting vehicle

 

Tenant Pak II

This provides the coverage of Tenant Pak I, as well adding extra protection to your belongings in almost any instance, with certain exceptions. It's the most comprehensive protection for your belongings.

 

Special Seniors Pak

This is for people 60 or over who live in an approved care home, nursing home, or seniors complex at a lower cost. 

 

 

Replacement cost coverage

This is included in all packages and protects your belongings at today's prices, not depreciated values.

 

With an SGI Tenant Pak, you're also protected against:

- credit or debit-card loss, cheque forgery and counterfeit money

- expenses for debris removal following an insured loss

- damage to improvements you made to your premises

- damage to your property from emergency entry by police officers, paramedics or firefighters

- increased living expenses and lost rental income following an insured loss

- inflated protection

- mass evacuation expenses

- damage to trees, shrubs, and outdoor plats

- damage to the belongings of guests or household employees

- limited renter's glass coverage (not applicable to Tenant Pak A)

 

Personal liability coverage

Also included with all packages, this coverage protects you in case you're found legally responsible for bodily injury to someone else or for damage to their property. This is a $1 million limit in personal liability coverage to cover:

- court costs, legal fees and certain other expenses associated with your defence in the event of a liability suit

- voluntary medical payments up to $5000 and voluntary property damage payments up to $5000, even if you're not legally liable

 

Additional options

- Identity Theft Coverage

- Excess Protection - premises improvemnts

- Increased Limits Coverage

- Special Belongings Coverage

- Sewer Backup Coverage

- Voluntary Fire Fighting Coverage

- Watercraft Coverage

- Seasonal Home Coverage

 

Further information can be found in our Tenant Insurance section.

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Tenant Insurance

Dealing with Ice Dams

posted by Al Hattie Insurance    |   February 13, 2013 10:20

Ice dams are those thick ridges of ice that build up along your eaves over the winter. When your roof heats up, either through warm temperatures or heat from the attic, and the snow slowly melts it refreezes when it hits your eaves. This freezing can rip off gutters, loosen shingles, and cause water to build up and pour into your home. This can cause major interior damages like peeling paint, warped floors, stained and sagging ceilings, and moldy insulation. With a little prevention now, you can combat ice dams in your home and keep from making a claim and paying more for your home insurance.

 

The simplest routine to get into is raking the snow off the roof. You can buy specialized roof shovels with extended handles that will allow you to quickly and easily pull the built up snow off your roof. This is especially important in areas of your roof that form a valley.

If you are able to safely reach up to your roof where the ice dam occurs, DO NOT use an axe or ice pick as it will cause damage to your shingles and roof. Using a blunt mallet, gently tapping the ice chunks will slowly free them up. Be warned this still may cause damage to your shingles. You can also melt troughs through the dams using calcium chloride ice melter, but DO NOT use rock salt as it will damage paint, metal and plants.

If you are experiencing heavy leakage in your home quickly set up large fans in your attic to help ventilate hot air out of the attic to stop the melting and allow the water to freeze again while you contact roofing specialists to come remove the ice dam.

 

If your home is prone to ice damming, consider taking steps to keep warm air out of your attic. Proper attic ventilation, adding insulation, and sealing areas that may leak heat into the attic (like an attic hatch) will keep your roof the same temperature as your eaves and prevent unnecessary damage to your home during winter and spring months.

 

 

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Home Insurance

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