// http://paulirish.com/2011/requestanimationframe-for-smart-animating/ // http://my.opera.com/emoller/blog/2011/12/20/requestanimationframe-for-smart-er-animating // requestAnimationFrame polyfill by Erik Möller. fixes from Paul Irish and Tino Zijdel // MIT license
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Customer
Quoted from:
February 3, 2023
Male, 29 years old
Vehicle
2018
Honda
Accord
Average rate
$
306
/mth
$
3,672
/yr.
Our rate
$
210
/mth
$
2,520
/yr.
Location
Ontario
Saved
$
96
/mth
31
%
savings
Customer
Quoted from:
January 31, 2023
Male, 34 years old
Vehicle
2022
Tesla
Model X
Average rate
$
318
/mth
$
3,816
/yr.
Our rate
$
192
/mth
$
2,304
/yr.
Location
Ontario
Saved
$
126
/mth
39.6
%
savings
Customer
Quoted from:
January 26, 2023
Male, 64 years old
Vehicle
2015
Jeep
Wrangler
Average rate
$
135
/mth
$
1,620
/yr.
Our rate
$
87
/mth
$
1,044
/yr.
Location
Ontario
Saved
$
48
/mth
35.5
%
savings

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What are 5 important questions to ask your Car Insurance agent?

Still have car insurance questions, reach out, we would love to answer them!

What coverage options are available and what do they include?

When speaking with a car insurance agent, it's essential to understand the coverage options available and what they include. Coverage could include liability, collision, comprehensive, personal injury, etc. Ask for a breakdown of each option and what it covers to determine the best fit for your needs.

How does my driving history and location affect my premium?

Your car insurance premium is determined by factors such as your driving history and location. Ask the agent how these factors affect your premium and what you can do to potentially lower it.

How does the insurance company handle claims and what is the process?

The process for handling claims is vital to understand, as this will be relevant if you need to file an insurance claim in the future. Ask the agent about the steps involved in the claim process and how long it typically takes to resolve an insurance claim.

Are there discounts or packages available for bundling multiple policies?

Some insurance companies offer discounts or packages for bundling multiple policies, such as combining home and car insurance. Ask the agent if this is an option and how much you could save by bundling.

What is the insurance company's financial stability and customer satisfaction record?

Choosing a car insurance provider with solid financial stability and a customer satisfaction record is important. Ask the agent about the insurance company's financial health and customer reviews to better understand their reputation.

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What are 5 important questions to ask your Home Insurance agent?

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What does a standard home insurance policy cover?

  • Dwelling coverage: Covers your home’s physical structure
  • Personal property coverage: Covers the personal belongings inside the home
  • Liability coverage: This covers costs related to any bodily injury sustained by someone in your home
  • Additional expenses coverage: This includes any extra living expenses that might be incurred if you’re displaced from your home (e.g., hotel costs, transportation).

Standard coverage for homeowners includes protection of their dwelling, possessions, liability claims and extra costs incurred. You may have to pay more on your premiums to get further protection beyond the basics.

Do I also need flood insurance?

Hazard insurance usually covers protection from fire and other natural disasters, but prices vary depending on where you live. Your location can heavily influence the type of coverage you purchase. If extreme weather is typical in your area, consider getting a flood insurance policy to protect against water damage - your mortgage lender may even require this. Getting separate policies for hazards and floods could save money when it comes time to repair or rebuild after an emergency arises.

How are homeowners insurance rates calculated?

Choosing home insurance that's tailored to your needs can be tricky. Your claims history, the age and condition of your property, as well as its size and location, are all important when calculating rates. If you have filed multiple claims in the past or own an older home with structural flaws located in a dangerous neighbourhood, expect higher than usual premiums which may offset any potential risks for insurers. Conversely, those factors could bring down your overall insurance premium if you live somewhere safe and maintain a good record without high costs.

How much home insurance do I need?

Securing the right home insurance is essential to protect your house and belongings from theft, damage, or destruction. Think through your financial situation carefully before deciding on an appropriate amount of coverage: if you have just purchased a new home with 20-year mortgage payments ahead, choose whatever level provides sufficient security against total loss rather than risk being underinsured down the road. When reviewing coverage options, there are two levels of protection - actual cash value (ACV), which considers depreciation when calculating the cost for replacing items in a claim, and replacement cost, which covers the item’s true ACV without factoring in how the value of the home decreases over time.

How can I save on my home insurance?

Homeowners looking to save on insurance can begin by minimizing the risks associated with their homes. Consider installing a security system, deadbolt lock, extra smoke detectors and sprinkler systems - this reduces your risk of theft or fire damage claims against your insurer. You may also be eligible for popular discounts such as multi-policy bundles that combine auto and home policies at one company. By bundling, you can get all your coverage needs in one place! Ask your HomeGenie agent about bundling your auto and home policy to maximize your insurance savings.

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5 commercial insurance questions to ask your agent

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What types of insurance are available to small business owners?

Protecting your business is a top priority, and having the right commercial insurance can make all the difference. Educating yourself on the various types of coverage readily available to businesses in your industry may help you pick an optimal package for safeguarding your company's future success. Knowing about possible policies could lead to smarter decisions when shopping around for coverage options - save time, money, and stress!

What insurance should I consider and why?

When setting up your business, pay attention to the importance of insurance coverage. Your agent will provide tailored advice on what policies can best protect you and help ensure that all bases are covered! They'll guide you through the process, giving recommendations to suit your particular industry - brick-and-mortar or online retailing - and address any queries about protection plans. In business, you need to be prepared for anything.

What are the policy’s limits?

Running a business comes with its own unique set of risks. That's why it pays to ensure you have the necessary commercial insurance coverage for any situation that may arise. Your policy limits should reflect your specific needs, including location and type of work – so you can be sure your business is fully protected from potential losses.

How do I protect my property?

Consider talking to an experienced agent about property insurance to ensure your business is fully protected. Each company must analyze their needs and get the best coverage - without being over- or underinsured. Don't let yourself be vulnerable; safeguard what you've built!

Can I get more coverage?

Discuss options with your agent to fill those potential risks. Your experienced Insurance Genie agent can help you weigh all available coverages so you make the most informed decisions for your business needs. When it comes to extra protection, consider a "safety net" umbrella policy that extends the existing limits of current policies and offers additional peace of mind should an unforeseen situation arise.

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