If you own your home, you may wonder who is responsible if a person is injured while on your property. Unfortunately, the answer is often that you are responsible for any injuries that occur. If a person slips and falls while on your property, you can be held personally and...

Your home is filled with valuable items and memories. If something happens to damage your home and its contents, it can be quite devastating; but, that’s why we have insurance — to protect us from damage to our property. To get your life back to normal and resolve property damages,...

PRESS RELEASE: December 7, 2011 - A storm can do a lot of damage to a home; whether from wind, snow, hail, lightning or any other weather danger. InsuranceHotline.com reminds consumers to be aware of what is covered under a homeowner’s insurance...

Everyone loves a holiday party; friends and family, good food and drinks, laughter and cheer. Hosting a great holiday party takes a lot of planning, and not just when it comes to the perfect menu and the beautiful holiday décor. Making certain that your home is...

Claims against your home insurance policy can be expensive, especially if someone is injured and a liability claim is filed. Some simple precautions can help you to prevent the dangers that commonly lead to homeowner’s insurance claims. No one can prepare...

Collecting exquisite pieces of jewellery and bottles of wines is a common hobby for many homeowners; these collections can often fetch amazing prices of up to thousands of dollars. It makes sense to wonder if these valuables are protected under a regular home insurance policy. Traditional insurance plan Regardless of...

Summer is the time when many Canadians take advantage of the warmer weather and perhaps even some vacation time to renovate and upgrade their homes. The Canadian Mortgage and Housing Corporation (CMHC ) statistics show that in 2009, over 2.1 million Canadians...

Along with the warm weather, summertime also brings an increase in travel plans. From May-24 to Labour Day, weekends begin with cottage-country traffic jams and the majority of Canadians use some, if not all, of their available vacation time to travel when the weather is warm. This tends to coincide with an increase in the incidence of home burglaries. One insurance company recently released statistics stating that their rates of home insurance claims for home theft increased by 13, 20, and 31% during the months of June, July and August respectively from April.

With spring finally here, it's a great time for homeowners to review their insurance policies and make sure that they're covered against the type of damage that comes with the change in weather.

In a worst case scenario, when an accident happens and you actually need to make a claim on your home insurance, are you confident that you will get the kind of coverage you really need?Given the huge assortment of different coverage options that are offered by Canadian insurance companies, it is no surprise that most consumers are often thoroughly confused as to what their policy actually covers. In the event of a disaster, is your coverage sufficient to provide the peace of mind you need? In order to put yourself at ease and be confident in the knowledge that you are covered for anything that can go wrong, you should consider asking the following key questions before you purchase your policy. Any reputable home insurance company will be more than willing to answer the following questions for you.