Knowing the age of your furnace and water heater is crucial for insurance purposes. Insurance companies often consider the age of these appliances when determining coverage and premiums. Accurately identifying the age of these home components is essential for ensuring adequate insurance coverage.

Insurance companies often inquire about the age of your roof to assess its condition and potential risk factors. Knowing the age of your roof can impact insurance coverage eligibility and premiums, as older roofs may be more prone to damage or may be near the end of their useful lives.

Ensuring your home is equipped with essential flood prevention devices like a sump pump and backwater valve can be crucial for protecting your property. In this guide, we'll explain what these devices are, how they work, and how to locate them in your home.

Understanding the type of plumbing in your home is vital for maintenance, renovations, and insurance purposes. Different plumbing materials come with unique lifespans and maintenance needs, so it's crucial to know what you have. Here's a simple guide to help you identify the type of plumbing in your home.

Knowing the type of wiring in your home is crucial for safety and insurance purposes. Different types of wiring have different risks associated with them, and understanding what you have can help you make informed decisions about maintenance and coverage. In Canada, homes can have various types of wiring, including aluminum, copper, and knob-and-tube. Here's a simple guide to help you identify what kind of wiring your home uses.

Earlier this month, I got a letter from my insurance company about how my property insurance deductibles were being increased from $1,000 to $2,000 on hail damage and water damage. On the one hand, I was happy to hear that my premiums weren’t going up, but on the other hand, I was a little surprised to see that my deductible was literally doubling from last year with no claims or changes to my policy. When I got this news, I did what most people would do, and I gave my broker a call to ask why this happened.

As a part of the Armour Advantage program for commercial insurance clients, Armour does something we like to call a commercial client showcase. A client showcase promotes our clients and the excellent work that they do. This month’s client is Bioclean Disaster Services a certified disaster cleanup service with a green twist.

In the whirlwind of moving into a new rental property, it's easy to overlook the importance of tenant's insurance. After all, you've just signed a lease, paid a security deposit, and are busy planning the layout of your new home. But what if I told you that tenant’s insurance isn’t just another added expense, but an incredibly important part of moving out? Take it from someone who had to learn it the hard way, tenant insurance should be a top priority when you move out.

In this litigious world, protecting yourself and your assets from liability is both important and increasingly difficult. While insurance policies such as auto, homeowners, and renters insurance have liability protection to financially protect you in a lawsuit, there are situations where they may not be enough. This is where umbrella insurance comes into play, offering an additional layer of protection beyond the limits of your standard insurance policies. 

When you own or rent the place you call home, it is incredibly important to get property insurance. In some cases, you're legally required to have insurance to be able to get a mortgage or sign a lease. Even if you're not technically required to have a property insurance policy, it's still in your best interest to get property insurance that at the very least gives you liability protection.