Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long-standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their client's insurance needs are met. Dusyk & Barlow is a TRUSTED REGINA INSURANCE Brokerage and in this insurance article, they answer insurance FAQs from the Regina public.
Your Insurance Questions Answered By Dusyk & Barlow Insurance Brokers
1. Child Moving Out- What Insurance do they need?
When a child moves out they should get insurance for their home and belongings through Home, Tenant and Condo policies. Your insurance will provide you coverage for such things as fire, and theft. Liability is also included in these options, which will cover you in case you are sued due to negligence or cause bodily injury or property damage.
2. What is Broad Coverage?
Broad Coverage for the most part is the Cadillac coverage on the building and Pinto coverage on your contents. However, most insurance companies do offer coverage which is the opposite, so you can have the Cadillac coverage on your contents and Pinto on your dwelling. If you have broad coverage, you can insure specific belongings by scheduling them on your policy. This option is available for certain types of belongings like jewellery for example. This does require an additional premium, however, the coverage is comprehensive, and you can have a lower deductible.
3. Teenager getting in accidents with parents vehicle?
SGI brought out the Safe Driver Recognition Program many years back, it is intended to penalize the driver, not the registered owner in your case. However, if you have an auto policy, these accidents will affect the policy, as it is paying out for the damages. I always recommend that parents register the vehicle in their child’s name if they are the primary operator of that vehicle. By doing this it will not cost the parent extra on their own auto policies, as well for liability purposes.
4. What exactly is No-Fault Insurance?
The public has a common misconception of what No-Fault means. No-Fault means that as long as you have valid plate insurance, it does not matter who is at fault, regardless of whether it is a multi-vehicle accident or just one vehicle, the injured parties will be provided with some medical coverage. This coverage depends on whether you have chosen to be covered by No-Fault or Tort.
5. I am going away on vacation what should I do regarding my home Insurance?
It depends on what time of year you go away. In the warm season, there is no requirement. However, we always recommend that you turn off your water. In the winter it is different. During this time of year, insurance companies require the following steps to be taken: you must turn off your water, have someone come in daily to check on your house or have an alarm system that monitors for low temperatures.
6. When travelling is my stuff insured?
When you are travelling, your home, tenant or condo insurance will temporarily cover you anywhere in the world. This includes liability coverage. However, you will be subject to your policy coverage, policy limits and your deductible.
7. Scheduled Insurance for expensive items of Jewellery- worth it?
If you have valuables it is essential that you discuss them with your insurance broker. Every insurance company has different limits and depending on the type of policy you have chosen, you could be underinsured or not insured for certain types of losses. It is a good idea to have your jewellery appraised. By doing this we can schedule your valuable jewellery on your policy for an additional premium. Scheduling your valuables will provide them with comprehensive coverage and a lower deductible, which can range from $0 and up.
There are 2 Dusyk & Barlow locations to best serve you 4615 Albert Street South and 302 University Park Drive