Contents Insurance – Is it Necessary?

The short answer is YES!

The long answer is because if you do not have it, you are S.O.L. should a disaster befall your place of residence.  Whether you are the home owner or a tenant; Especially if you are a tenant, you need to have coverage for your personal belongings.

In the restoration business we see all too often insurance claims where a fire or flood has happened and the tenant mistakenly assumed that the homeowner (landlord’s) home insurance will cover their damaged or destroyed belonging.  This unfortunately is not the case.  The homeowners insurance only covered the building itself and any permanent fixtures and fittings.  We desperately want the help the distraught tenant who has just found their favorite couch, TV, computer, area rug, 1 million stuffed animals or heirloom photograph damaged… BUT we can’t.

You MUST insure your personal belongings.  We cannot restore your precious belongings through the damage claim without it.  We can only offer to help at a direct cost to you.

Personal  story… I moved into a basement suite a few years ago. Amidst all the other things going on at the time my tenants insurance was completely forgotten.  I came home on a sunny Friday afternoon, from a wonderful day at Science World with my kids, to discover my landlord and his wife standing in my driveway. “You can’t go in the house” they say. Why Not? I ask. “We were broken into and are waiting for the police to arrive. They entered your suite so you have to wait for them to get here.” WHAT!!!

I lost everything of value that the Friggin’ low life thieves could carry. Cd’s, DVD’s, my entire Jewelry box .. They even stole my duffel bag to carry it in.  And guess what… I was completely out of luck. No insurance.

18 Oct | 2 replies

Fire Prevention Week

Oct. 3 to Oct. 9, 2010. The theme for this year is – Smoke Alarms: A sound you can live with! ©

Why is it held at this time of the year? Both in the United States and in Canada, this event is always held during the first full week of October to include the 9th of the month, to commemorate the Great Chicago fire of 1871. It took 27 hours to get the fire under control and more than 250 people died, while 100,000 others were left homeless and 17,400 buildings were destroyed.

During this week take the time to ensure your family knows how to get out alive.

  • install a certified smoke alarm on each level of your home
  • plan and practice a fire escape route with your family
  • purchase a fire extinguisher and learn how to use it

Visit Fire Prevention Canada website for more information

6 Oct | No replies