Having a home means acquiring the means to ensuring it stays protected for as long as your family needs it. Duncan is a great place to live, and so you’ll want to ensure that your house is safeguarded with the proper Duncan home insurance. After all, it’s more than just “a place.” Your home is a place of memories for you and your family and somewhere to go at the end of the day. As your biggest investment, ensure that your home has the right insurance by working with our team here at Megson FitzPatrick. We understand the importance of our homes and want to make sure that you have taken every measure possible to ensure that you’re in a place to bounce back following an unexpected disaster.
What’s so great about Megson FitzPatrick? We’re a leading independent broker in British Columbia that always has your back for when you need someone dependable in your corner. We look after home insurance in Duncan so that residents can rest easy in knowing that their coverage is being handled by some of the best in the business. If you aren’t exactly sure what you need when it comes to your Duncan home insurance, not to worry! Our experts will be with you for every step of the way and will help you make more informed decisions based on what you and your family require. Our insurance programs can help you cover the costs of any unexpected disasters which may befall your home and can also come in clutch for when a third-party is hurt on your estate or you damage someone else’s property.
Why does anyone need home insurance anyway? Home insurance in Duncan is essential because it helps to protect your home against any potential threats you may be exposed to, such as natural disasters, crime, vandalism, fire, and more. While home insurance is not required by provincial law it is highly recommended that you carry a base amount of coverage in order to have an adequate safety net. What would happen if your home was unexpectedly damaged or destroyed in an unforeseen loss? Consider how much your home would cost to replace, including all its contents as well as any additional outstanding private structures. When you have the right amount of insurance, you may not need worry. You can save yourself time, money and stress by entrusting Megson FitzPatrick with your Duncan home insurance.
Practicing proper home maintenance and regularly making necessary renovations to your home is a good way to ensure you’re in better standings in case anything happens, but accidents are called accidents for a reason. Things happen. Be prepared for the unexpected by trusting Megson FitzPatrick with your Duncan home insurance. We look after the insurance so you can have peace of mind.
Home insurance doesn’t have to be overcomplicated. When you have an expert broker in your corner, you have a great resource for helping you better understand the ins and outs of your coverage. Megson FitzPatrick’s expert team will sit down with you in order to personally assess your requirements and help you understand what factors impact your Duncan home insurance costs. Here are a few of the factors that are taken into consideration when your insurance provider is determining your rates:
Discuss with a Duncan home insurance broker about what variables impact the cost of your coverage. An expert will also be able to provide you with some insightful tips for more ways you can save on your insurance.
Home insurance is purchased as a means to protect both you and your family from any financial damages resulting from named perils that you may be exposed to. That being said, your general policy may not include everything you require in order to be sufficiently insured. Here is a list of a few of the most common Duncan home insurance endorsements that might be worth your consideration:
Your typical Duncan home insurance policy may include expenses resulting from basic water damage. However this coverage is limited and may not include damages resulting from damaged sewer lines, septic system seepage, and clogged drains. In order to ensure full coverage potential, you may want to consider purchasing a sewer backup insurance endorsement. This can be added to an existing policy to help bolster your coverage.
Do you work from home or operate your own small business from your personal office? If so, you may need to contact your broker and discuss the extent of your commercial operations in case you need to purchase a home-based business insurance endorsement. This is due to the fact that if anything should happen in your home related to your work, your Duncan home insurance policy may not cover you for the damages or liability expenses. Many professionals who operate from home opt to purchase a commercial endorsement (or separate commercial policy entirely) in order to have their business practices covered against any potential exposures.
Your typical home insurance policy will not include damage that is caused by earthquakes. For many provinces within Canada, that is not an issue – but for residents of British Columbia, it may be something worth looking into. Be mindful of the fact that coverage from an earthquake insurance endorsement varies from insurance provider to insurance provider so always be sure to discuss with your Duncan home insurance broker before you plan to make any drastic decisions regarding your existing coverage.
Megson FitzPatrick’s Duncan home insurance brokers are some of your best resources for when you need protection that works. You can drop an email, give us a call, or meet with us in person so that we can review your requirements in a personal setting and share our expertise with you.