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Canadians love to renovate. A recent survey by the Canadian Mortgage and Housing Corporation found that over 40 percent of households in ten Canadian markets renovated their home. The same survey found that 0ver 65% of households used a contractor to do all, or at least some, of their renovations. (Changes to your home may also affect your home insurance policy.)

The leaves have started to turn and the plants have all started to droop. It's a clear indication that it's time to do the annual fall yard cleanup.There's no better insurance for your garden and lawn that next spring will be a good growing season (other than predictable spring weather but that's never going to happen!)

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.

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?