azin.mehr_insurance

08/28/2020

Fact: If you lend your car to a friend to drive and they get into an accident, it will affect YOUR insurance.

Car insurance covers the car that it is associated with; insurance does not follow the driver. That is why if an accident occurs while your friend is driving your car, it will affect your insurance and not theirs. Your insurance company would handle the claim and your insurance record would be affected, not your friend’s.

As a result, it is important to be very cautious of who you lend your car to as your insurance is on the line and not theirs. broker #

07/24/2020

‏Fact: installing home security systems lowers your premium
‏Breaking and entering has been on the rise the past three years according to Toronto Police crime statistics. This has led to an increase in residents installing home security alarm systems. There are different types of fire and burglary alarm systems that can help protect you, your family, your home, and your belongings and even lower your insurance premiums. A local alarm sets off a siren or a strobe light which notifies you or your neighbor so that anyone around can contact the police or fire station. In contrast, a central alarm will notify you and an alarm company that works around the clock to call you to confirm if it wasn’t activated by accident then immediately notifies the police or fire department. Not only is this beneficial if no one is in or around your home at the time it sets off but also provides the biggest discount on your home insurance. Insurance companies often make central alarms mandatory for homes with rebuild value over $1,000,000. Installing alarm systems prevents break-ins and gives you peace of mind that you and your family are always safe from harm. If you already have an alarm system installed, make sure to regularly check your batteries and replace them when needed. @ Thornhill, Ontario

07/17/2020

Fact: Higher deductibles reduce your insurance costs!

An insurance deductible is the amount stated on your policy which you have to pay before your insurance company covers you in the event of a claim. When purchasing an insurance policy, you are given the opportunity to choose a deductible amount. A higher deductible will typically result in a lower cost of insurance as you are committing to paying a larger portion of a loss, if it does occur. If, for example, the amount of your deductible is $1,000 and you file a claim for a loss that costs $10,000, you will pay $1,000 and your insurance company will cover $9,000.

An insurance deductible also serves to deter clients from making small claims such as filing a claim for a stolen bicycle. While this is covered by your home insurance, the value of the stolen bicycle is likely less than your deductible and therefore not worth claiming.

Deductibles exist to help keep your insurance premium down. If deductibles didn’t exist, clients would be making more claims which would then lead to higher insurance premiums for everyone. Deductibles also ensure that clients take good care of their homes and vehicles.

07/03/2020

Fact: You need to inform your insurance company if you have dangerous dogs
Dogs are considered property by home insurance companies and come with increased liability exposure. This is why dog owners must inform their broker or insurer if they own a dog. Many insurance companies ask about dog ownership and have a list of high-risk dog breeds which can either cause them to charge a higher premium, enforce a policy exclusion, or decline your application. Aside from breed, insurers also ask about history of aggressive behaviour or lack of training. By law, it is the dog owner’s responsibility to pay for someone’s medical bills, injury, loss of income, or property damage caused by your dog. If your dog causes any of these problems and you need to file a claim on your home insurance. Make sure to inform your insurance company of any pets to avoid any gaps in coverage. And as always - risk avoidance is the best course of action - consider the safety of the dog breed, obedience or socialization training, avoid leaving them with babies and children, do not encourage your dog to play aggressively, and always keep them on a leash when out for a walk!

06/26/2020

Fact: Power surges are typically covered by your comprehensive home insurance policy

In Southern Ontario, we have seen flash thunderstorms in recent years which can cause a myriad of different types of damage. One of these is an unexpected power surge which would typically fall under covered peril. Power surges can damage electronics inside your house such as your AC unit, television, or that fancy hot tub in the backyard!

To prevent a power surge from damaging your electronics, make sure to unplug them during a storm or install a whole-home surge protector.
Comprehensive home insurance policies typically include personal property coverage, which helps you pay for replacement of your belongings such as furniture, electronics, and appliances if they are damaged by a covered peril - which includes power surges. Coverage can differ depending on your policy, so please review your policy and discuss with your broker!

04/10/2020

Water damage claims have increased 50% over the years of all home insurance claims. Many people assume their insurance policy will cover water damage which may or may not be included in their policy.
Let me help you in this issue.

03/23/2020

Stay home,
It is you social RESPOCIBILTY.
Save loves and live.
If you need any help regarding insurance contact us.

03/23/2020

Stay Safe and Healthy
Everyone.
Do not hesitate to contact me
if you need any help
regarding your insurance.
-19

03/19/2020

03/19/2020

Happy Nowruz! Happy persian new year!Wish you all safe and clean world.

03/07/2020

03/07/2020