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.

Expert Advice From Trusted Regina Financial Advisor John Barabe Regarding Estate Planning

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming. They have an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their client's quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, they provide an estate planning overview. 

Estate Planning Overview

Estate Planning is an essential part of wealth management, particularly if your estate involves significant assets or complex issues. Without careful planning, your estate may be tied up in the courts for months or even years. The government could end up collecting more taxes than otherwise. And, most importantly, how your legacy is disbursed may be decided for you.

Developing a complete estate plan will require much more than just a will. Depending on your personal situation, you will need to consider a combination of Tax Planning, Funeral Arrangements, Power of Attorney, Life Insurance, etc.

Every adult should have an estate plan that outlines the following: 

  • Who is responsible for distributing your assets?
  • Who will make financial and medical decisions if you’re incapacitated? 
  • Who gets what and when they get it?
  • Who will take care of your children?
  • Who will manage any trust accounts?

Depending on the complexity of your estate, you may require the services of a lawyer, a financial advisor, an accountant, an insurance agent or a trust officer.

Take control of your estate and follow these 5 steps:

  1. Determine your estate planning goals
  2. Consider which estate planning tools fit your situation best
  3. Choose the people you would like to speak for you
  4. Start raising estate planning issues with your family
  5. Keep your estate plan up to date

A well thought out estate plan is critical to getting your affairs in order and protecting your wealth. Whether you are deciding to create an estate plan for the first time or updating the one you have, take a look at Keybase’s checklist to make sure you got what you need. By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a lasting legacy. A proper estate plan will protect you and your family, now and in the years to come.

Speak to a Financial Advisor today, to discuss your estate planning options!

Disclaimer: The information contained herein has been provided by Keybase Financial Group and is for information purposes only. The comments included in the publication are not intended to be a definitive analysis of tax law: The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be attained with respect to any person’s specific circumstances. Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

The process I follow for estate planning includes:

  • Meet with you and your spouse or partner and clarify and confirm desires and objectives
  • Ensure the people involved with your estate are aware of the intentions.  This can include beneficiaries, executors (or executrixes), trustees and guardians.
  • Then implement.  All the other steps are not valuable without action.

John Barabe and Madison Schenher are Trusted Regina Financial Advisors


 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

How Often You Should Review Your Will - Expert Advice From Trusted Regina Financial Advisor John Barabe

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming. They have an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their client's quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, they explain how often you should review your will. 

How Often Should You Review Your Will


When was the last time you read your will? Is it still relevant? Are there changes that really should be made?

After completing a will, most people put it in a safety deposit box and don’t bother looking at it again. This is a mistake because wills should be reviewed periodically, especially if there have been significant changes in your life such as…

  • marriage (because your will is revoked when you are married),
  • divorce (because it revokes a gift to the former spouse, and in many cases that is most of the will),
  • the birth of a child (because you’ll want to deal with guardianship, support etc…),
  • the majority of a child (because you won’t have to deal with guardianship, may want to do something about support, specific bequests),
  • a major acquisition or disposition of property,
  • the death of a spouse or other family member mentioned in the will, and
  • executor dies or reaches a state of physical or mental disability.


Never attempt to revise your own will by scratching out or marking up existing clauses.  When making alterations to your will,  taking the time to follow the legal formalities will ensure that your will remains valid, and up-to-date and that your estate is dispersed according to your wishes.


John Barabe and Madison Schenher are Trusted Regina Financial Advisors


 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

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