DM Insurance with Insureline Platinum
PO Box 621 T0M1B0 Irricana, AB, Canada

Why consider DM Insurance? I know moving your insurance can seem like a scary step outside your comfort zone, especially if you don't have a strong understanding of insurance. I am located locally. I am working remotely and am located in Rocky View County. A short trip to Beiseker, Irricana, Chestermere, Strathmore, Crossfield, Carbon, Swalwell or Acme. This means that I can work with you on your time. No need to try to get to the city during your regular work hours t...o complete your insurance. Same voice every time. When you call and have a question, you are talking to the same person each time. I am your broker, you are not shared and passed on to the next available broker. I will respond to you phone calls, emails or messages. Market access. Many brokerages have only 2-3 markets to check for their clients. With my relationship with Insureline, I have access to 6 markets for personal lines and over 10 companies for business insurance. Relationship & Experience. I understand that being able to build that relationship is important. My experience in the industry for over 25 years has given me the knowledge to explain insurance in a way that makes sense to you. I want to make sure you understand and are comfortable asking questions if there is something you don't understand. If your renewal is coming up in the next 45 days, you should be getting your renewal documents from the insurance company. That is the best time to start looking for the coverage and premium that is best for you. Give me a call: 403 862 9163 Send me an email: [email protected] or Message me.

With tomorrow being May 1, hail season has begun. The seed planes fly out of airports in the zone. The base is at the Didsbury airport. Here is a link to their radar to see the systems coming and to know if you need to think about moving items and taking cover. http://www.wmiradar.com/ahsp/index.php

Are you prepared for #HailSeason? Check out these Top 10 tips to help mitigate risk: http://www.ibc.ca/hail Institute for Catastrophic Loss Reduction City of Calgary IBAA - Insurance Brokers Association of Alberta #HailSmart #ABHail #SevereWeather

May Registration Renewal Reminder: If you last name starts with C or N, your registration is up for renewal in May. You can renew online. There are no longer stickers being issued so you only need to have your insurance and registration certificates. Renew online at: https://www.alberta.ca/vehicle-registration-renewal.aspx

Glass Coverage - do you have a sun roof or moon roof? Do you know that coverage is excluded under the Limited Glass Endorsement (13D). Most of us have the 13D - Limited Glass Endorsement on our auto to reduce our Comprehensive premium. With this endorsement we are basically taking responsibility for all glass unless the damge is caused by the listed perils. If you have a sun roof or moon roof, this can be pretty expensive to replace. ... There is a separate Glass Policy from AMI which provides coverage for Stone Chips, Cracks and includes Sun Roof/Moon Roofs. The premium varies based on the year/make/model of the vehicle. It is an annual policy separate from your regular auto policy. A claim under this policy does not impact your auto insurance. If this is of interest to you, Give me a call 403 862 9163 Send me an email: [email protected] or Message Me.

Are you Renting? Do you have Tenant Insurance? The coverage provided is more than just for your personal property. In the event that you are displaced from your home due to fire, smoke, kitchen fire, sewer backup, water escape or another insured event, the Additional Living Expense pays the cost to put you up in a hotel or rent another location until you are able to return or find a new place to live. In the event that you cause damage to the location that you are rent...ing, your liability covearge will respond when the property owners insurance presents you with the claim for the damages. Your liability also responds due to your unintentional actions anywhere in the world. In the event that you cause accidental property damage to the hotel room you are renting (ie: leave the tap on) your liability will respond to the hotel's claims for the damages and loss of rents. The premium varies depending on the limit of personal property that you require. Based on a limit of $50,000 with $2,000,000 Liability coverage, no previous insurance and in the T0M 1B0 postal code area, the premiums range from $199 to $945. With $199/yr that works out to $17.10 per month. Give me a call: 403-862-9163 Email: [email protected] Or Message me and I can let you know your options.

The time is ticking to a close. Less than two weeks to have your name entered plus get a review/update on your insurance. Draw closes February 28, 2021. With each quote your name is put in the draw. For each line of business issued, you receive another entry. ... Home, Condo, Tenant, Commercial, Farm, Seasonal, Rental, Travel Trailer, Auto (Personal & Commercial). Let's talk. Call me 403-862-9163 Email: [email protected] or Message me.

Water / Service Line Endorsement - what it provides. Have you heard of or seen your neighbour's or a friend's front yard ripped up because they had to replace the line servicing their home? The municipality is only responsible for the line outside of the property line. The property owner is responsible for the excavation and repairs to the line. How old are the lines coming into your property? Are there lot of trees in the area? Age of the infrastructure and the mat...urity of trees on property and property lines can impact the service lines. Many of the insurance companies have come out with a Water Service Line Endorsement. It provides protection for the service lines coming into your home. The wording of each companies coverage is slightly different. Some will provide coverage only for water and sewer lines resulting from a leak, break, rupture, tear or collapse of the line. Other companies will provide coverage for all underground service lines (water, sewer, communication, telephone, internet, geo-thermal). If you live in the country, you're responsible for the your own water and sewer line. This endorsement can be very beneficial if there is a situation with the water line or septic. The limit of coverage available ranges from $10,000 - $25,000. What is covered: review the wording but in brief summary, the coverage could pay for the cost of excavation, the direct physical damage to the covered underground service line, loss of use of your home (if you have to be relocated while the repairs take place), limited coverage for the replacement of trees/plants/shrubs, walkways and driveways in order to complete the repairs. If you have questions about whether this coverage is available from your insurance provider give me a call (403-862-9163), email ([email protected]) or drop me a Message on Facebook.

Dash cams - should you consider? Are they worth the investment? Well, I have heard that a picture is worth a thousand words, in the instance of your car insurance, a dash could be worth a thousand dollars in savings the event of a claim. While there is no premium savings from having a dash cam in your vehicle, there can be the protection of having evidence in the event of a claim. In accidents that have conflicting testimonies or evidence, a dash cam can be a significan...t factor. They can help determine who caused the accident. Recently in the US, a trucking company had a claim by a 3rd Party thrown out of court. The 3rd party tried to make a claim for bodily injury and property damage, claiming that the driver of the truck swerved into their lane. The dash cam clearly showed the 3rd party cutting in front of the truck with no room for clearance. If the camera is stolen, or your vehicle written off your auto policy will not cover the loss of the dash cam unless it is a factory installed unit. Anything that is not factory installed or permanently installed is not covered under the auto policy. Some parents have dash cams installed to review their new drivers habits and review situations with them. Some parents have dash cams installed to review their new drivers habits and review situations with them. T

Monitored Alarm Systems - do they really provide you with the savings that the salesmen sell you on? In most cases, there is no specific discount amount when you have a monitored alarm system. For properties that are located rurally, the monitored alarm is more for peace of mind for yourself and the ability to monitor your property. The savings do not equal the 30% that the alarm companies try to sell you on. Some companies no longer offer the alarm discount. Best option, don't buy the system expecting "savings" on your insurance. Purchase a system that works best for you and provides you with peace of mind and the ability to record and report incidents.

What does commercial insurance provide coverage for? Business owners need to carry the coverage but do you understand what all those lines of coverage mean? If you carry Commercial General Liability - in simple terms it provides coverage for claims against the business for Property Damage or Bodily Injury or Advertising Injury. Some examples are: - customer trips or slips or is injured while on the business premises - employee has a cord across the hallway while working a...nd the homeowner trips over the cord and is injured - employee uses tool with cracked cord which causes a spark and damage to the customers property - employees improperly dispose of cigarettes and a fire destroys the customers property - advertising promotion provides misleading or damaging statements about a competitor -employee is cutting, drilling, or installing materials and pierce plumbing line Under the Business Contents, if listed, it can provide coverage for the office furnishings/equipment, stock, materials usual to the operations of the business. What many business owners that are renting space forget is the Tenant Improvements. The property owner is only responsible for the shell. Any improvements (walls, flooring, dividing walls, bathrooms, shelving, etc) that are installed, whether by the current or previous tenant, are the responsibility of the tenant to insure. Business Interruption - this coverage provides for loss of income to the business due to an insured loss. If there is a water damage claim, smoke, fire, sewer backup or other insured loss to the location and the business is not able to operate while the repairs are being completed, the coverage provides for the loss of income. This is why it is important to report updated and accurate Gross Receipts. This is just a small portion of what is and can be covered under a Business Insurance policy. Depending on your operations, the coverage required will vary. Knowing what the coverage provides is vital.

Preferred Vendor vs Choosing Your Own Contractor. You have the option in a claim situation to use either one of the Preferred Vendors from the insurance companies directory or a contractor of your choice. The property is yours and you have the final decision. What is the difference? If you choose a Preferred Vendor, their work is guaranteed for the life of the property for as long as you own it and for as long as you are insured with that company. If there are problems wi...th the repairs, you have the insurance company to help get the issue resolved. With your own contractor, if you have issues, it is your responsibility to resolve, if possible. Ultimately, the choice is yours and depends on the type of repairs that are needed. That's where the claim service provided by your insurance company is vital. Check the company's history on claims satisfaction.

What does it take for a quick quote? If you can provide a copy of your current coverage summary and few additional details, I can provide you with a quick quote. If the prices and coverage is competitive, we can collect the additional information to provide the accurate/current quote. I won't guarantee a 5 Minute quote as I will review the positive and negatives of what each company has to offer before presenting to you. It's more than just the $$ amount.

Happy Family Day. I am available if you would like to take some time to review your home, auto, business or farm insurance. I have access to multiple markets to provide you with an all around indication of where you are positioned with the insurance markets. I can be reached by phone (403-862-9163), email ([email protected]) or Message me through Facebook and I will get back to you.

Winter Tires - do you have them? Did you know that many insurers are now offering a discount if you have winter tires, or tires with the snowflake symbol on them? When was the last review done to ensure that you are getting all the discounts? Let's do a review and a market check at the same time. I am located nearby. No need to go to the city. We can deal over the phone, by email or in person at a time that works for you.

With convictions and claims carrying more weight for auto insurance rating, a little extra attention is valuable.

Are you renting? Do you have Tenant Insurance? Did you know that you can be held responsible (have the building owners insurance company come after you) for damage that you are found negligently responsible for? In the event of a kitchen fire do you have the funds to put you (and your family) up in a hotel and cover the cost of eating out while the damage is repaired? ... Tenant insurance is affordable and can cost the same as your monthly cell phone bill (or more/less depending on limits and discounts). Plus you could have multi policy discount is your property is with the same insurer as your auto. Give me a call or send me a text/email and we can look at your options to provide peace of mind.

Happy New Year!! A new year creates new priorities. Let’s take better care of ourselves personally and financially. A quick review of your property, business and auto insurance ensures that you are starting the year off knowing that you have the coverage you need.

If you would like a quote for home or auto, send me a quick email and I can send you the fillable form that collects all the information needed to provide an accurate quote. The more accurate the information, the more accurate the quote.