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older | 1 | (Page 2)

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    Bring up the Discussions Before it's too late!



    1. If I am selling my home and I have moved out of it, do my coverage's change & should I tell my broker?
    YES. Insurance companies provide packages & coverage's of insurance based upon the occupancy of the home. Insurance companies require that homes that are vacant be noted to them before or immediately becoming vacant. The insurance companies define Vacancy as the following: 

    the dwelling is not occupied and, regardless of the presence of furnishings:

    — all occupants have moved out with no intention of returning and no
    new occupant has taken up residence; or
    — no occupant has yet taken up residence, however, a newly acquired
    dwelling which is to be your principal residence, will not be
    deemed vacant for the first 30 days from the date of title registration
    to you; or
    — the dwelling will not be deemed to be vacant or subject to vacancy
    restrictions or exclusions up to the first 90 consecutive days following
    the death of the Insured or until the expiry date of the policy,
    whichever comes first.

           2. What basis of settlement and limitations are there on personal property and contents?

    Our home owners policies are designed as packages to include the many aspects a homeowner may need coverage for but what some homeowners may not know is that your personal property and contents are a separate limit and coverage from your dwelling. You should always confirm with your broker because every company is different, on how your personal property will be settled in a claim, for example will you get Replacement of the item or Actual Cash Value (depreciated). As well as, each company has a list on certain items and the max limit that they will provide coverage up to. If you require higher limits on these certain items you will need to schedule them onto your policy to provide that.

          3. What are my requirements when I am away from my home, for example on holidays?

    Again, each company has a bit different requirements when it comes to this, so you should definitely be asking your broker what your insurance company guidelines are for when you leave your home in order to make sure you are still covered as not following their specific wordings on this could void your insurance coverage leaving you hugely burdened financially if there were to be a major water escape accumulating damage the entire time you were on holidays. That is why the wordings around this type of situation have been designed by the insurance companies, to mitigate losses when you are away from your home for an extended period of time and regardless of the wording we always suggest having your home checked on by a reliable person daily. 


    All of these items are also outlined in your booklet of wordings for each insurance company which you can find on our website, or the insurance companies website or we can easily provide you with a copy at your request.

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    This morning we all felt it! Brace yourselves, winter is coming! To get prepared we have made a short list of some tips for winterizing your home this year!

    -Clean or replace your furnace air filters each month during the heating season.

    -If you are going away for the winter, for any duration of time, you must contact your broker to confirm you are meeting your insurance companies guidelines to ensure proper coverage is still in place.

    -To help allow for good air circulation in your attic, ensure it has proper ventilation, so that hot air doesn’t get trapped in the rafters, melting the bottom layer of the snow on the roof. This is also a good time to confirm with your broker that your policy covers for ICE DAMMING as not all policies cover that!

    -As a homeowner, make sure you know where to find your water shut off valve, in case of emergencies quick action could potentially save you from major damage to your home.


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  • 11/10/16--08:23: Insurance Myths Mondays
  • We know there are many myths & truths of insurance floating around out there & we are here to try and help bring some clarity to the issue!

    #MythsMondays

    Travel Insurance Doesn't Pay Out!

    Insurance is a means of protection from financial loss. Insurance companies exist in order to help mitigate unforeseen and sudden events thus protecting the insured's financial well-being upon the occurrence of a specific event, specified loss, damage, illness, or death in return for payment of a premium. In the case of one of our travel insurance providers, Allianz Global Assistance, they have an excellent track record in Canada, with exceptionally low claim denial rates. In 2015, AGA recorded a 92.5% payout rate. Clients are best encouraged to carefully read their travel insurance policy to understand the benefits, exclusions and limitations. When you have questions, WE are the reliable source and trusted expert to provide clarification. We also carry many providers to meet a wide variety of clients needs. To name the major carriers we have, Saskatchewan Blue Cross, Group Medical Services, & Allianz Global Assistance.


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  • 11/14/17--07:56: Insurance Truths Tuesday
  • We know there are many myths & truths of insurance floating around out there & we are here to try and help bring some clarity to the issue!

     

    #TruthsTuesday

     

    Having Great Credit Can Benefit Your Home Insurance Rates

     

    The insurance companies (currently SGI Canada & Wawanesa Mutual) have designed this new method to try to give consumers another opportunity for discounting their home insurance rates.

    We need two requirements to apply the discount:

    1.      Express consent- For our client’s convenience, we are capable of accepting consent or withdrawal of credit score discounts verbally.

    2.      The second type of information required is your legal full name and full date of birth, this information in most cases has already been obtained in the past for other insurance purposes.


    Start saving more!

    Lots of our customers have utilized this discount by taking those savings and purchasing additional coverage's such as, the newly introduced Flood Coverage. New this year to the personal homeowner’s line of insurance.

    A little run down of how it works; once we have obtained your consent, the score is electronically requested from our credit score provider, depending on which insurance company you are with could either be TransUnion or Equifax. Credit score is then sent from the credit bureau through a secure data transmission channel and is automatically applied to the calculation of your premium. Your consent is kept and collected until or if you withdrawal that consent, and therefore annually the insurance company will access your credit score just before the renewal of your policy.We have been reassured by the insurance companies that this will not impact your credit rating.

    To top off all this great news, Wawanesa Mutual has recently increased the credit score maximum possible discount, now allowing for an even greater discount.

    *Your rates will not go up if you have an unfavorable credit score.


    Privacy

    At Al Hattie Insurance, we take your privacy very seriously. Our clients privacy is an office practice we have taken very seriously before credit scoring even came into play. We cannot see and do not have access to your credit score information. That information is restricted to only limited employees of the insurance companies who only access it in order to do their job.


    Some Tips to Improve your Credit Score:

    v  Always pay your bills on time.

    v  Try to pay your bills in full by the due date. If you aren’t able to, pay at least the minimum amount shown on your monthly statement

    v  Try to pay down your debts as quickly as possible

    v  Don’t go over the credit limit on your credit card. Try to keep the balance well below the limit, as the higher the balance the more impact it has on your credit score.

    v  Reduce the number of credit applications you make.

     

    v  Make sure you have a credit history. Your credit score may be low because you don’t have a record of owing money and paying it back. You can build a credit history by using a credit card as long as you use it


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    There's nothing really funny about this cold weather but we can't totally knock the weather. If it didn't change once in a while, nine tenths of people couldn't start a conversation!


    With the cold weather comes the natural human instinct to get warm. This could mean anything from firing up your wood stove or booking a holiday down south! Either or, this will bring you to want to make a quick stop to Al Hattie Insurance before.

     

                       1. If you have a wood stove, or are planning on installing one make sure you check with your broker, Al Hattie Insurance, beforehand to see if this will affect your home insurance policy and                         how. Wood stoves are ideal as a backup source of heat in that emergency situation where a power outage has occurred.


                       2. If you are amongst the many fortunate people to take off to warmer climates for holidays your first stop should be Al Hattie Insurance to purchase your Emergency Medical Travel                                       Insurance. We carry a variety of carriers to meet all sorts of different client’s needs, and also to provide quotes from those companies, finding you the best rate so that you're not paying                             more than you need to be.


                      3. After your travel insurance needs are met, our one stop shop will also be able to provide you information on your home insurance policy and the specific requirements set out by your                                insurance company that you must meet to have coverage while you are away. Every company is different and ever changing so these are good things to routinely check up on so that you                          are up to date on the most recent requirements.

     

    Hopefully these few points from Al Hattie Insurance can help keep the cold weather the only problem until we are all like "Winter who?".

     


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    Happy 262 years of combined birthday ages in the office! In the next month we have 7 of 15 birthdays! The celebration month kicked off with Nicole, than Brent, Teralyn, Jason, Lee, and ending with Corinne & Susan on the same day!

     

    Our office's Nicole Turk, cleverly made a cake for the back-to-back birthdays! She wanted to include all the birthdays on the one cake and came up with the idea of combining all the years to make the birthday candles! How so very sweet... in more than one way... as in the cake was delicious! The cake was a round layered cake with a blue frosting, topped with sprinkles. Inside was a purple frosting. I'm pretty sure a cheat day was a no-brainer for clean eaters, and left many wanting seconds,or even thirds. Thanks Nicole!!!

     

    Our office is pretty awesome in the sense that we all work very hard, but play harder. It's so nice when the office employees take initiative to do kind things for one another, making our bonds that much stronger. Sharing and making memories together. 


    To top off the celebration of numerous back-to-back birthdays in our office, we also have a very special birthday. One that, without it, none of this would really make any correlation! This is the 36th birthday of the start of Al Hattie Insurance! On Feb. 1 Al Hattie Insurance will be celebrating another miraculous year of business! One that started only from a banker box of files that has grown to thousands. Come by to sign our book, a tradition that we have held for years & some coffee and donuts!

     

    #262yearsold #officefun #yummmmm #AHI #happybirthdaytohalftheoffice


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    We love our customers!

    Join us at the Eastview Shopping Centre, 3020 Arlington Ave, Saskatoon, Saturday June. 2, 2018 from 9 am to 3 pm. Our office along with other businesses in the mall will be hosting events to show our appreciation to you!

    We will have:

    • A car seat clinic to ensure your loved ones safety seats are installed properly
    • The Shred-It Truck from 9am to 11am to shred any personal documents on the spot. Please bring a food bank item to donate.
    • Rainbow International Restoration will be on-site with claims experience to answer any tough property claim questions.
    • Child Find ID Clinic from 10am - 1pm; A parent or guardian must attend with valid ID
    • Tutor Shooter from Saskatchewan Rush to teach kids how to properly throw a lacrosse ball like the pros hosted by SK Blue Cross
    • Face Painting by Jasmine Bernes free of charge from 11 am to 12 pm.
    • A chance to win a $500 Visa Gift Card
    • Door prizes, Giveaways, & Coffee & Donuts

    Check out the flyer to see other activities our mall neighbors will be hosting that day too!


    2018 customer final.pdf (2.41 mb)


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    It seems as soon as the snow melted summer was approaching us as fast as a Bugatti Veyron, and no breaks in sight. With summer comes summer holidays for all our children, and as much as we all wish we could take summer off as well that's not always in the cards. So many families look to summer camps to help entertain there children over school break.

    Finding the right camp for your kids can be difficult, do you know the right questions you should be asking yourself before you send your kid off?


    1. Are campers supervised by trained individuals? What level of training do the counsellers have? This is especially important in skilled activities, and any camps that have swimming as an activity.

    2. How are counsellors screened for background clearance?

    3. Does the camp offer any sort of accident benefits coverage outside of their own Commercial General Liability policy? Ask how injuries that occur during camp are treated and what coverage is offered to campers if the injury is more serious and requires treatment outside of the scope of provincial health care plans.

    4. If campers are being transported in camp-owned vehicles or busses, what insurance does the driver hold?

    5. Does the camp have an emergency plan in place in case of evacuation or catastrophe requiring all campers to be moved off site?


    It never hurts to ask these questions especially when you are to consider giving someone else the responsibility of the safety and care of your children.



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  • 06/25/18--09:03: Canada Day Pre-Celebrations!
  • With School Commencing, Summer in the Air, Why Not Have a Canada Day Celebration to Really Kick off the Summer!?



    Stop by Al Hattie Insurance this week to enter your name in our free draw for a wickedCanada DayPrize Package. 
    It has everything you need to be Canada Day ready! Two Canada Day lawn chairs to watch the fireworks in, two maple leaf sparklers, Canada Day themed candy while you wait for the show to start, two Blue Jays ball caps, a beach ball, and two fancy plastic cups! With this package all you have to plan is what fireworks you are going to watch that night.

    • Saskatoon, SK- Probably the most popular in Saskatoon would be the fireworks at Diefenbaker Park starting at 8 am on July. 1 with a buffet breakfast available until 10 am than a ceremony Celebration cake at 10 am, followed by entertainment at 11 am and going on all day until 10:40 at which the fireworks will begin. For more information visit: www.optimistcanadadaysaskatoon.com

    • Saskatoon, SK- In and around Saskatoon firework shows:
                               *Diefenbaker Park @ Jul. 1 | 10:40 pm
                               *Dundonald Park @ Jul. 1 | 10 pm
                               *North Ridge Centennial Community Centre, Martensville @ Jul. 1 | Dusk
                               *Lion's Park, Warman @ Jul. 1 | 10:30 pm
                               *Radisson Ball Park, Radisson @ Jul.1 | 11 pm

    • Saskatoon, SK- Biggie Brunch @ the Capitol Music Club Jul. 1 11 am - 4 pm Go listen to the finest Biggie beats while eating fine breakfast eats. $16. 25 gets you Brunch & either a Mimosa or a glass of draught

    • Dakota Dunes Casino, SK- 20 minutes South of Saskatoon on highway 219, Jul. 1 @ Dusk they have extravagant fireworks, best kept secret! Although it's not exactly a secret, the parking lot fills up quickly so get out early to make sure you get a spot. Bring your lawn chairs and set up for a great show, begins at Dusk, admission is free. For more information call 306-667-6400.

    • Regina, SK- If you will be in our capitol city over the celebration holiday than Wascana Park is the place for you. Starting Jul. 1, 2018 at 8:30 am - 10:30 am a pancake breakfast at Wascana Centre, followed by Western Canada's Strongest Man @Legislative grounds, free children's activities on the Children's Stage, The Trews on the main stage in Wascana Park, Plywood Cup 1-6 pm across Wascana Lake & After Dark the fireworks will begin!

    • Moose Jaw, SK- Canada Day at the WDM Moose Jaw from 10 am to 2 pm, Jul. 1, 2018, ever tried to make ice cream the old fashioned way? Well this is your chance! Create crafts and take part in a new Canada Day photo scavenger hunt. Feeling nostalgic, stop in the theater to catch some vintage Canadian short films from the National Film Board.

    • Swift Current, SK- Frontier Days! Jun. 28, 29, 30 & Jul. 1, 2018 This annual country fair is a fun filled event for the entire family. Activities include midway rides, grandstands concerts, trade shows, cattle shows, 4-H competitions, parade & Fireworks @ 11 pm

    • Prince Albert, SK- @ Prince Albert National Park admission is FREE! They are kicking off the day with a pancake breakfast at the Community Hall, followed by a lively parade, a flag raising ceremony, and a delicious birthday cake. They even give you a chance to be apart of the celebrations by decorating your bike and joining in the parade! Stay & explore the wonders of the natural outdoors Canada has to offer here in our own backyard of Saskatchewan! For more information contact the Waskesiu Recreation Association - 306-663-5410 or by email: WaskesiuRecreation@gmail.com.

    0 0


    Bring up the Discussions Before it's too late!



    1. If I am selling my home and I have moved out of it, do my coverage's change & should I tell my broker?
    YES. Insurance companies provide packages & coverage's of insurance based upon the occupancy of the home. Insurance companies require that homes that are vacant be noted to them before or immediately becoming vacant. The insurance companies define Vacancy as the following: 

    the dwelling is not occupied and, regardless of the presence of furnishings:

    — all occupants have moved out with no intention of returning and no
    new occupant has taken up residence; or
    — no occupant has yet taken up residence, however, a newly acquired
    dwelling which is to be your principal residence, will not be
    deemed vacant for the first 30 days from the date of title registration
    to you; or
    — the dwelling will not be deemed to be vacant or subject to vacancy
    restrictions or exclusions up to the first 90 consecutive days following
    the death of the Insured or until the expiry date of the policy,
    whichever comes first.

           2. What basis of settlement and limitations are there on personal property and contents?

    Our home owners policies are designed as packages to include the many aspects a homeowner may need coverage for but what some homeowners may not know is that your personal property and contents are a separate limit and coverage from your dwelling. You should always confirm with your broker because every company is different, on how your personal property will be settled in a claim, for example will you get Replacement of the item or Actual Cash Value (depreciated). As well as, each company has a list on certain items and the max limit that they will provide coverage up to. If you require higher limits on these certain items you will need to schedule them onto your policy to provide that.

          3. What are my requirements when I am away from my home, for example on holidays?

    Again, each company has a bit different requirements when it comes to this, so you should definitely be asking your broker what your insurance company guidelines are for when you leave your home in order to make sure you are still covered as not following their specific wordings on this could void your insurance coverage leaving you hugely burdened financially if there were to be a major water escape accumulating damage the entire time you were on holidays. That is why the wordings around this type of situation have been designed by the insurance companies, to mitigate losses when you are away from your home for an extended period of time and regardless of the wording we always suggest having your home checked on by a reliable person daily. 


    All of these items are also outlined in your booklet of wordings for each insurance company which you can find on our website, or the insurance companies website or we can easily provide you with a copy at your request.

    0 0
  • 10/09/18--14:29: Fire Prevention Week!
  • We All Buy Insurance for That Unfathomable Chance That We May Have a House Fire.





    In lieu of Fire Prevention Week which takes place this year from October 7th to 13th we wanted to share some handy tips with our clients to lessen the chances of that occurring:

                                                   • Exposed wires are a fire hazard. It is recommended that a regular inspection of electrical 
                                                     cords takes place to check for any damage.

                                                   • All flammables should be stored in a ULC approved metal fire cabinet. 

                                                    It is recommended to not run electrical cords under rugs. This can cause damage to the                                                         cord and become a potential fire hazard.

                                                   • Fire Code states that all portable fire extinguishers must be serviced and tagged on an                                                           annual basis by a licensed contractor. 

                                                   • Need more outlets? Have a certified electrician install. Overloading outlets is a fire hazard. 

                                                   • Cooking equipment that produces grease-laden vapors may be a source of ignition. It is                                                         recommended that all deep fryers be protected by a ULC or equivalent automatic                                                                     extinguishing system.

                                                   • When replacing blown fuses, replace with proper rating. Call an electrician if circuit                                                                  breakers trip often

older | 1 | (Page 2)