Bring up the Discussions Before it's too late!
- If I am selling my home and I have moved out of it, do my coverage's change & should I tell my broker?
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.
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.
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
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?".
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
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:
Check out the flyer to see other activities our mall neighbors will be hosting that day too!
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.
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:
It’s hard to keep up with your clients’ health routines. They’re yogis, marathoners, Cross Fit enthusiasts, vegans, vegetarians, keto dieters. The list goes on. But no matter their lifestyle, they’re all looking for the same thing when it comes to health insurance: reliable coverage and plan options that fit their needs.
And that’s where we come in. We can offer our clients one of GMS' Individual Health plans, and leave them assured they’ll find the coverage they’re looking for.
GMS insurance plans provide coverage for emergency medical basics, routine preventative care and more. They offer two products, each with three plan options, so clients have choice and flexibility to select a plan that makes sense for them and their families.
Call us today for more information to apply for your Individual Health Plan! (306) 955-2700 or email broker@alhattieinsurance.ca
On Friday Brent and Colleen, the owners of Al Hattie Insurance wanted to thank all the staff for there hard work to keep up with COVID work flow, and bought each staff members a pizza for supper! Talk about TGIF
And what better way than to support our neighbors at Haywoods Grill. They are still open for pick up or delivery and still JUST as delicious!! Thank you so much Roxy for feeding us. No dishes, no cooking, is a wonderful Friday night while practicing our social distancing.
If you have not tried pizza at Haywoods Grill now is the time, it's loved by all the Al Hattie Ins staff! Just check out our awesome staff pics of just how much we enjoyed it!
⚠️
**UPDATE** ⚠️
As Saskatchewan begins Phase 1 of the re-opening, we would first like to extend a very special Thank-you to ALL the ESSENTIAL WORKERS who kept up the battle these past two months for our beloved Sask community. ❤️
-The office has decided effective Tues, May 19, 2020 we will resume regular business hours. That being:
Monday - Friday 9-5 PM
Saturday 9-4 PM
-At this time, that is our first decision & we are in further discussions and planning to offer a safe environment to next open up the office to the public.
-We aim to offer many transactions over the PHONE, EMAIL, or through our MAIL SLOT.
-If we are closed, you may still utilize your MySGI account through our website at:
We love sharing others reviews and experiences with our office, raw and unedited. These comments are the real deal and come directly from clients.
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
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:
Check out the flyer to see other activities our mall neighbors will be hosting that day too!
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.
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: