Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Insurance Experts at Dusyk & Barlow Tip on Auto Insurance Coverage for Vehicles in Storage

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 clients' insurance needs are met.

They are Trusted Regina insurance experts!

Do You Have Proper Auto Insurance Coverage For Vehicles In Storage? 


Dusyk & Barlow Insurance Brokers Ltd. has two locations in Regina, SK. They are family-based, locally-owned Insurance brokers who have been involved in the Saskatchewan insurance industry since 1936. Insurance products they offer include auto insurance, including Saskatchewan SGI motor licensing services, home insurancecondo insurancetenant insurancetravel medical insurancecommercial insurance, and bonding and surety services. Our latest article shares some important information about auto insurance for vehicles in storage.


Protecting Your Vehicle In Storage: Why Home Insurance May Not Be Enough

Your home is not just a place to live; it’s also where you store many valuable possessions, including your vehicle. If you have a garage, you might assume your vehicle is automatically covered by your home insurance while parked there. However, this isn’t always the case, especially in Saskatchewan. In this blog post, we’ll explore why your vehicle may not be covered by your home insurance when it’s in the garage, and we’ll discuss the importance of keeping your vehicle insured through your auto policy, even when it’s temporarily in storage.


Home Insurance and Vehicle Coverage

Home insurance is primarily designed to protect your home and its contents, not your vehicles. While it typically covers personal property, including items in your garage, it often has limitations regarding vehicles. In  Saskatchewan, home insurance may not extend coverage to your vehicle at all, even if it’s parked in the garage.


The Importance of Auto Insurance

Auto insurance is specifically tailored to protect your vehicles, whether on the road or in storage. It provides coverage for various situations, including accidents, theft, vandalism, and damage that can occur in your garage or while your vehicle is parked. Even when your vehicle is not in use and temporarily stored, it’s crucial to maintain auto insurance coverage to safeguard your investment.


Auto Insurance While in Storage

In Saskatchewan, you can adjust your auto insurance coverage when your vehicle is unused. You can switch to a “storage” or “lay-up” policy, which is more cost-effective than standard coverage because it removes certain risks associated with active driving.

A storage policy typically covers:

  1. Comprehensive Coverage: This protects your vehicle from non-driving-related incidents such as theft, vandalism, fire, and natural disasters.
  2. Limited Usage: Some storage policies allow for minimal usage, such as moving your vehicle within your property or to a repair shop.
  3. Theft and Vandalism Protection: Comprehensive coverage under a storage policy ensures your vehicle is protected against theft and vandalism even when parked in your garage.

The Consequences of No Auto Insurance Coverage For Vehicles In Storage

Failing to maintain adequate auto insurance coverage while your vehicle is in storage can have significant consequences. You may be left without financial protection if an unexpected event occurs, such as a break-in or a fire that damages your vehicle. Repairing or replacing a vehicle can be a substantial expense; without insurance, you would have to cover these costs out of pocket.

While it may be tempting to assume that your home insurance covers your vehicle when it’s parked in the garage, this is not always the case. To protect your vehicle from various risks, including theft, vandalism, and damage, it’s essential to maintain auto insurance coverage even when your vehicle is temporarily in storage. Consider switching to a storage policy to reduce costs while protecting your valuable assets. Remember, being proactive with your insurance coverage is the best way to secure your peace of mind and financial well-being.

If you would like additional information, a quote on insurance, or information about any insurance products we provide, don’t hesitate to contact us at either of Dusyk & Barlow’s locations.


 “Protecting What’s Important Since 1936”

DUSYK & BARLOW INSURANCE BROKER  


Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all its clients. Their long-standing reputation in the Regina community remains strong through maintaining high standards of excellence and ensuring that their client’s insurance needs are met.

Insuring Your Motorcycle - Expert Tip from Trusted Regina Insurance Provider Campbell & Haliburton

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. Their latest article gives you tips on properly insuring your motorcycle in Regina or anywhere else in Saskatchewan. 



When it comes to auto insurance coverage, it’s important to ensure that all your vehicles are adequately protected. We can help you safeguard not only your everyday cars but also your unique and cherished speciality vehicles. Whether you own antique or classic vehicles, motorcycles, 3-wheeled vehicles, snowmobiles, or motorhomes, we can help you find the perfect insurance.


INSURING YOUR MOTORCYCLE


Motorcycles and Snowmobiles: Thrilling Rides with Added Protection

For those who love the thrill of riding motorcycles or snowmobiles in Saskatchewan, SGI CANADA Auto Pak policy offers coverage tailored to your specific needs. Since motorcycles and snowmobiles are seasonal vehicles, an Auto Pak policy ensures your ride is protected even when it’s unlicensed. However, it’s important to note that this coverage does not extend to operating on Crown lands, trails, lakes, public roadways, or mountainous areas. Auto Pak coverage for these vehicles does not include personal injury payment benefits or family security coverage.


3-Wheeled Vehicles: A Unique Ride

If you’re a proud owner of a 3-wheeled vehicle, SGI CANADA Auto Pak offers comprehensive coverage tailored specifically to meet your needs. Their Auto Paks come with increased liability coverage and lower deductible options, allowing you to reduce your costs in case of a claim. Although 3-wheeled vehicles share similarities with motorcycles and passenger cars, they don’t have to meet the same federal safety standards. This means that in the event of a collision, drivers and passengers may not have the same level of protection. While some 3-wheeled models include safety features like roll protection and seat belts, they generally lack airbags. It’s important to note that Auto Pak coverage for 3-wheeled vehicles does not include personal injury payment benefits or family security coverage.


Antique Vehicles: Preserving the Classics

If you’re an avid collector or simply cherish your antique vehicle, there is auto Insurance that offers additional coverage to protect your prized possession. Whether you take it out for a leisurely drive on weekends or keep it safely stored most of the time, having the right coverage is crucial. With an SGI Auto Pak, you can choose from a range of coverage options to ensure your vehicle and your family are protected. Even during the periods when your classic vehicle is in storage and not in use, your policy will safeguard you from potential loss.


Additional Coverage for Specialty Vehicles

If you own an all-terrain vehicle (ATV), boat, or personal watercraft, SGI CANADA offers coverage options that can be included with your house, tenant, condo, or mobile home insurance. This ensures comprehensive protection for all your valuable assets.

To explore the various coverage options available to assist with insuring your motorcycle or other specialty vehicles in Regina and to receive expert insurance advice on pricing, it’s recommended to consult with a Campbell & Haliburton insurance broker. They can guide you through the process and help you select the right coverage that meets your unique needs. 

Their commitment to customer service is one of the pillars of their business. They know insurance inside and out, so please get in touch with them for all of your auto insurance needs and they will be more than happy to help ensure what you value most is protected. We are a Trusted Regina insurance broker.

**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Review Alarm Systems and Your Home Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they explore the effects of an alarm system and your home insurance and how it can significantly impact your home insurance policy. By investing in these security measures, you not only enhance the safety of your property but also unlock potential savings.



Alarm systems are a powerful tool to protect your home against potential intruders. By installing burglary sensors such as door contacts, motion detectors, window contacts, and glass break sensors, you create a strong defense mechanism. Informing us at Campbell & Haliburton Insurance about these enhancements showcases your commitment to safeguarding your property and may result in improved coverage options.


Burglaries

Beyond burglaries, homes face other risks that can lead to significant damage. Environmental alarm sensors, including water sensors, low-temperature detectors, smoke detectors, and carbon monoxide detectors, provide early warnings against potential hazards.


Home Automation

Modern alarm systems have evolved, incorporating advanced technology to offer convenient and efficient security solutions. With built-in SIM cards, there’s no longer a need for traditional phone lines. This ensures seamless monitoring and communication. Homeowners can receive real-time alerts, change codes, and manage authorized users remotely via a smartphone app. This level of control enhances convenience and peace of mind.

Alarm systems can go beyond security features, integrating with home automation for a seamless living experience. Imagine controlling not only your alarm system but also your lights, thermostats, and appliances through the same alarm app on your smartphone. This enables personalized schedules, simulated occupancy, and remote management, even when you’re away. Embracing home automation not only enhances security but also improves energy efficiency.


Reduce Home Insurance Premiums

By investing in alarm systems and keeping us informed, you bolster your home’s security while potentially reducing insurance premiums. Strengthening your defense against intruders, mitigating risks, leveraging advanced technology, and embracing home automation are crucial steps toward a safer and more efficient home.


Communicate with Your Campbell & Haliburton Insurance Broker

Remember to communicate any security enhancements, or alarm system installations to us at Campbell & Haliburton. This ensures that your policy accurately reflects the measures you’ve taken and maximizes your coverage.

Protect your home, enhance your peace of mind, and embark on a journey toward a safer and more secure living environment. Campbell & Haliburton Insurance is here to assist you with tailored insurance solutions that align with your commitment to home security. If you have any questions about your alarm system and your home insurance in Saskatchewan, it’s recommended to consult with a Campbell & Haliburton Team Member. Their commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your auto insurance needs and they will be more than happy to help ensure what you value most is protected.

**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Review Credit Card Travel Insurance Vs A Travel Insurance Policy

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they compare credit card travel insurance vs a travel insurance policy.



Travel insurance is a necessary consideration for anyone planning a trip, as it offers protection against various risks and uncertainties that may arise while travelling. There are two main types of travel insurance: credit card travel insurance and a traditional travel insurance policy. Both offer coverage for travel-related risks, but there are some significant differences between them.


Credit Card Travel Insurance

Credit card travel insurance is a type of insurance that is often automatically included with a credit card purchase, typically when booking a trip. This type of insurance is designed to offer limited coverage for specific risks, such as trip cancellation or interruption, and is typically offered at no additional cost to the cardholder. While this type of insurance can be convenient, it is often limited in scope and may not offer the same level of coverage as a traditional travel insurance policy.


Travel Insurance Policy

On the other hand, a traditional travel insurance policy is purchased separately and offers much more comprehensive coverage. This type of policy covers a wide range of risks and uncertainties that may arise while travelling, including medical emergencies, trip cancellations, lost or stolen luggage, and more. Unlike credit card travel insurance, traditional travel insurance policies are customizable and can be tailored to meet the specific needs and requirements of the traveller.


Advantages To A Travel Insurance Policy

One major advantage of a traditional travel insurance policy is the flexibility it offers. Policyholders can choose the level of coverage they require and can add or remove coverage as needed. For example, a traveller who has pre-existing medical conditions may choose to add coverage for medical emergencies to their policy. On the other hand, a traveller who is confident in their ability to manage their own risks may opt for a basic policy with limited coverage.

Another important consideration is the level of support offered by the insurance provider. Credit card travel insurance is often provided by the credit card issuer and may not have a dedicated support team or comprehensive resources to assist with claims or other issues. In contrast, traditional travel insurance providers typically have a dedicated support team and resources to assist policyholders with claims, medical emergencies, and other issues that may arise while traveling.

In conclusion, both credit card travel insurance and traditional travel insurance offer coverage for travel-related risks, but there are some important differences between them. Credit card travel insurance is typically limited in scope and offered at no additional cost, while traditional travel insurance policies offer more comprehensive coverage and are customizable. Ultimately, the choice between the two will depend on the specific needs and requirements of the traveler.


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected.
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Tip About Mass Evacuation Coverage Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they discuss mass evacuation coverage insurance. 



Summer brings not only sunny days and beach vacations but also the potential for storms, wildfires, and other emergencies. While not all emergencies require home evacuation, some do, and it’s crucial to be prepared. If you’re unsure about handling an evacuation or have questions about your Regina home insurance coverage during such situations, don’t worry! We’re here to provide some helpful information. Let’s delve into the basics of mass evacuation coverage insurance and how it can support you in times of crisis.

Firstly, you may be surprised to learn that if you have a house, condo, mobile home, or tenant insurance policy with SGI CANADA, you already have their Mass Evacuation Coverage. As an added feature on their policies, Mass Evacuation Coverage is standard on all home, condo, mobile home, and tenant insurance policies. This coverage is designed to assist with the increased cost of living that arises when you must suddenly leave your home due to an emergency.

To qualify for this coverage, the situation must be a risk covered by your policy, such as a wildfire, directly impacting your property. Additionally, an evacuation order from a civil authority, such as a municipality or provincial government, must be in place. It’s important to note that you will only be eligible for this coverage if you evacuate your home based on an official evacuation order.


Expenses You Can Claim Under Mass Evacuation Coverage

This coverage will reimburse you for essential living expenses, including: 
  • your hotel room,
  • meal costs,
  • fuel,
  • and other necessary items that you can’t bring from your home.

The coverage typically extends for up to 30 days, depending on the amount specified on your policy’s cover page.

Remember to retain all receipts for the expenses you incur during the evacuation period. On each receipt, note the reason for the purchase and how you intend to use the item or service. Taking photos of your receipts with your phone is also recommended to maintain a digital record.

If you find yourself in an evacuation situation, the first step is to ensure your safety and settle into a secure location. Once you have done so, get in touch with your Campbell & Haliburton Insurance broker to discuss the possibility of making a claim under your Mass Evacuation Coverage. They will guide you through the claim process, or if you prefer, you can also file a claim online through MySGI.ca. They can clarify how your insurance policy protects your home in the face of extreme weather, wildfires, or other threats, and offer valuable guidance on keeping your family safe throughout the summer months.

Your peace of mind is essential, and by understanding your insurance coverage and knowing how to handle an evacuation, you can face emergencies with confidence. Don’t hesitate to contact your Campbell & Haliburton Insurance broker to learn more about your specific home insurance coverage and ensure that you’re well-prepared for any unexpected events that may arise this summer. 


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected.
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

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310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

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