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Armour Insurance Blog

Rob Marusin

Recent Posts

The Best Insurance: 7 Tips to Prevent Indentity Theft

Posted by Rob Marusin on Aug 31, 2012 11:10:00 AM

Preventing identity theft is one of the best forms of insurance you can learn about -and it's free. There's no reason to be a victim of this invasive and violating crime.Identity theft can lead to loss of money, character and credit. Why not take these 7 easy steps and keep your name and credit clean.

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Topics: insurance edmonton, insurance, identity theft, prevent identity theft

How the Make of Your Car Affects Your Car Insurance

Posted by Rob Marusin on Aug 28, 2012 10:00:00 AM

Your neighbour drives a BMV M Roadster, while you get around in a sporty 2000 Honda Civic SiR. You both have clean driving records and travel the same distance to work. The BMV is worth more than the Civic, and then the shock comes—you’re paying more for auto insurance. Consumers are left asking why—well, the answer is clear.

Every vehicle make, model and year available in Canada is rated according to the Canadian Loss Experience Automobile Rating (CLEAR) system. This rating system assesses each type of vehicle based on expected claims frequency and cost, and the likelihood the vehicle will be stolen. This assists in calculating insurance rates—the lower the claims risk, the lower the rates, and the higher the claims risk, the higher the rates.

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Topics: Car Insurance Quote, Auto Insurance, Auto Insurance, Car Insurance, Car Insurance, Car Insurance Edmonton, Car Insurance Edmonton, Auto Insurance Edmonton, Commercial Automobile Insurance

Kids Going Away to School? Review Your Edmonton Insurance Policy

Posted by Rob Marusin on Aug 22, 2012 9:18:00 AM

When your child moves away from home for college or university, there are important changes and responsibilities to consider. Along with the emotional stress of having your young graduate leave home, you also need to consider what the move means for your finances and insurance policies. Being informed about your Edmonton insurance coverage is crucial for your child’s protection and wellbeing. While many policies extend parents’ coverage to kids in university, other policies encourage college students to purchase their own insurance.

“Parents need to know whether their insurance extends to their children when they are buying a car or moving into an apartment or residence,” says Wayne Ross, insurance expert at Aviva Canada. “You could find yourself facing a financially-stressful situation that could easily have been avoided.”

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Topics: Auto Insurance, Auto Insurance, Car Insurance, Car Insurance Edmonton, Car Insurance Edmonton, Auto Insurance Edmonton, Auto Insurance Edmonton, edmonton insurance, insurance policy

Different Types of Life Insurance - Which is Right for You?

Posted by Rob Marusin on Aug 17, 2012 11:11:00 AM

What's that??Although there may appear to be a vast array of life insurance policy types available, they all consist of one of two basic forms: Permanent insurance and Term insurance. As the names imply, permanent insurance is permanent (for life) and term insurance is temporary. Most people require a combination of the two types to fit their needs. Examples of permanent needs are funeral expenses, survivors' income, taxes at death on capital gains, taxation of RRSPs and RRIFs and charitable bequests. Examples of temporary needs are mortgages, children's education and business loans.

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Topics: insurance edmonton, life insurance, life insurance policy

Windshield Damage - Why You Should Fix it Immediately - car insurance

Posted by Rob Marusin on Aug 13, 2012 11:52:00 AM

Road trips are par for the course in the summer, so stone chips and glass repair are part of life as a vehicle and carinsurance owner. Windshields get chipped and cracked all the time. While stone chips often occur at the most inopportune times, they cannot be neglected and should be attended to in short order.

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Topics: Auto Insurance, Car Insurance, Car Insurance, Car Insurance Edmonton, Auto Insurance Edmonton, Auto Insurance Edmonton, Commercial Automobile Insurance, windshield chips

Natural Disasters and Your Home Insurance

Posted by Rob Marusin on Aug 8, 2012 8:20:00 AM

Alberta has seen its fair share of water this summer and home insurance claims are on the rise due to unfortunate water damage. Water has now surpassed fire as the number one cause of home insurance claims and 40% of all personal property insurance claims are as a result of water damage. Homeowners are getting waterlogged, so to speak.

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Topics: home insurance, home insurance, Homeowners

How to Predict Your Home Insurance Fees

Posted by Rob Marusin on Jul 31, 2012 9:46:00 AM

Summer is a time for vacations, sun and fun; it's also a very popular time to go house hunting. Whether you're a first time home buyer or not, you need to factor your monthly home insurance fees into your budget. But how can you possibly predict what those fees will be?

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Topics: home insurance, home insurance, home insurance, home insurance, Home Insurance Tips, insurance

Life Insurance for Small Business Owners: What You Should Know

Posted by Rob Marusin on Jul 24, 2012 8:50:00 AM

As a small business owner you have insurance on property and business assets, but often business owners may neglect to purchase one of the most important types of insurance. Life insurance can mean the difference between bankruptcy and survival when a business owner or key person dies. Proceeds from an insurance policy can be used to train a successor for a deceased key person or to purchase a business owner’s shares in the event of his or her death. There are two important products for you as a small business owner to consider Buy-Sell Protection and Key Person Life Insurance.

BUY-SELL PROTECTION
The death of a business partner (shareholder) may result in your company being sold in order to compensate the family of the deceased partner (shareholder). The remaining partners/shareholders may not be able to fund a buy-out of the deceased’s share of the business, which may result in an unwanted outside interest gaining control of part of your  company.

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Topics: insurance edmonton, life insurance

Commercial Insurance Alberta: Indicators are Pricing is on the Rise

Posted by Rob Marusin on Jul 17, 2012 8:54:00 AM

A recent study indicated Commercial 

Insurance pricing in the United States increased by an average of 5% in 2012 Q1 over the same period last year, noted Tower Watson consulting.

This represented the fifth consecutive quarter that prices rose for all standard commercial lines, according to the professional services company’s Commercial Lines Insurance Pricing Survey (CLIPS).

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Topics: commercial insurance, Commercial Insurance Alberta, Commercial Insurance rates, Commercial Insurance Quotes

Crop Insurance Can't Protect the Backyard from Hail, These Tips Might!

Posted by Rob Marusin on Jul 13, 2012 10:00:00 AM

As many South-Edmonton residents can attest to, hail can do some damage to your backyard gardens. Unfortunately Armour's Crop Insurance doesn't cover your home garden from hail damage, but we can offer some tips collected from avid gardeners across North America. So the next time the hail hits, your plants will be covered!

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Topics: insurance edmonton, home insurance, crop insurance alberta, Farm Insurance, Crop Insurance, Crop Insurance, insurance broker edmonton Homeowners