Other Frequently Asked Questions

1. Does my home insurance cover my car when it is parked in my garage?
   No, only a car insurance policy covers a vehicle. There may be a small amount of coverage for spare parts, such as your winter tires.
   
    
2. My grandmother is visiting me for two months.  Will her clothing and suitcases be covered while in my home?
   Yes.
   
    
3. My neighbour's car just broke down in her driveway, and she wants to borrow mine to take her daughter to school.  Will I be covered?
   Yes, because your neighbour does not live in your house, and it is unusual for her to drive your car.  You cannot, however, lend your car to people who live in your house without first talking to your broker (Braeside Insurance Services Ltd., 251-7963).  You should note that, if your neighbour has an accident while driving your car, your premiums might rise.
   
    
4. I just developed my basement.  Do I need to increase my house insurance.
   Definitely.  Please call us (Braeside Insurance Services Ltd., 251-7963).
   
    
5. If I build a basement suite, will my tenants be covered?
   No.  You need to adjust your home policy (Braeside Insurance Services Ltd., 251-7963, can help you), and your tenants need to buy their own policy.
   
    
6. I replaced the flooring in my living room.  Should I change my home insurance policy?
   Probably not.  But, you can call your broker (Braeside Insurance Services Ltd., 251-7963) and we will help you make sure your policy has enough coverage to handle current building costs.
   
    
7. Insurance companies take your money, but never pay claims, right?
   Oh, my word, no.  Insurance companies pay billions of dollars every year in claims, and surveys show that a high majority of customers are pleased with the service and payment of their claim.
   
    
8. What's to stop me from fooling you, and making a claim for something that I don't deserve?
   Insurers have been well-practised in detecting fraud for many decades.  We don't like fraud, and we do everything we can to combat it.  You might not have heard about the people who we catch, but that's not a surprise, because generally, such people don't tell the story very often.
   
    
9. If I go on a holiday, are my suitcases covered?
   Yes, your home policy will cover your belongings when they are briefly away from your home, just as if they were still sitting inside your house.
   
    
10. What about jewellery, furs, money, fur coats, computers, and other special items?
    Your home policy contains a list of special items that might need extra coverage.  If you are worried, call

This site will be updated with more answers from time to time; please visit as often as you like.