Al Hattie Insurance

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3 Important Questions to Ask Your Home Insurance Broker


Bring up the Discussions Before it's too late!



  1. If I am selling my home and I have moved out of it, do my coverage's change & should I tell my broker?
YES. Insurance companies provide packages & coverage's of insurance based upon the occupancy of the home. Insurance companies require that homes that are vacant be noted to them before or immediately becoming vacant. The insurance companies define Vacancy as the following: 

the dwelling is not occupied and, regardless of the presence of furnishings:

— all occupants have moved out with no intention of returning and no
new occupant has taken up residence; or
— no occupant has yet taken up residence, however, a newly acquired
dwelling which is to be your principal residence, will not be
deemed vacant for the first 30 days from the date of title registration
to you; or
— the dwelling will not be deemed to be vacant or subject to vacancy
restrictions or exclusions up to the first 90 consecutive days following
the death of the Insured or until the expiry date of the policy,
whichever comes first.

       2. What basis of settlement and limitations are there on personal property and contents?

Our home owners policies are designed as packages to include the many aspects a homeowner may need coverage for but what some homeowners may not know is that your personal property and contents are a separate limit and coverage from your dwelling. You should always confirm with your broker because every company is different, on how your personal property will be settled in a claim, for example will you get Replacement of the item or Actual Cash Value (depreciated). As well as, each company has a list on certain items and the max limit that they will provide coverage up to. If you require higher limits on these certain items you will need to schedule them onto your policy to provide that.

      3. What are my requirements when I am away from my home, for example on holidays?

Again, each company has a bit different requirements when it comes to this, so you should definitely be asking your broker what your insurance company guidelines are for when you leave your home in order to make sure you are still covered as not following their specific wordings on this could void your insurance coverage leaving you hugely burdened financially if there were to be a major water escape accumulating damage the entire time you were on holidays. That is why the wordings around this type of situation have been designed by the insurance companies, to mitigate losses when you are away from your home for an extended period of time and regardless of the wording we always suggest having your home checked on by a reliable person daily. 


All of these items are also outlined in your booklet of wordings for each insurance company which you can find on our website, or the insurance companies website or we can easily provide you with a copy at your request.

New Improved 'Cargo Secure' Coverage

This summer SGI Canada introduced a revamped approach to cargo insurance called 'Cargo Secure'. This new package was designed to add more coverage, innovative new features and preferred rates. It was also designed with simplicity in mind, removing much of the fine print.

"In developing Cargo Secure, SGI Canada wanted to rethink cargo insurance coverage from the ground up. Most cargo Insurance policies were developed decades ago around the idea of insuring only the minimum requirement of the law, and had very little to do with addressing the needs of the trucking industry."

To further address the needs of the trucking industry SGI Canada has included the following as part of their standard coverage with Cargo Secure:

- All-risks coverage
- Blanket all vehicles
- Blanket all commodities
- Loading and unloading
- $100,000 30-day warehouse (owned or non-owned locations)
- Erecting, dismantling or installing (in conjunction with In Transit)
- Goods of others
- Owned goods
- $5,000 per loss / $25,000 annually for contractual penalties
- $25,000 debris removal (in addition to what is already provided)
- Defense costs
- $25,000 freight charges
- Liberalization clause
- Cross liability clause
- $5,000 theft or hijacking reward
- Enhanced valuation clause (actual cash value)
- Enhanced definition of In Transit
- Mechanical breakdown coverage
- $25,000 alcohol and tobacco limit
- $25,000 livestock limit
- $25,000 painting, statuary and fine arts limit
- $25,000 tarps, chains, straps and onboard electronics limit
- Goods In Transit includes by land as well as regularly scheduled airlines, rail car, ferry or  transfer barge

For more details on Cargo Secure don't hesitate to call our office at 800-450-2700. For an online quote please download and fill out the  Motor Truck Cargo Questionnaire.pdf (870.58 kb) and email it to us at broker@alhattieinsurance.ca.