The Newman Blog

Posts about Property Insurance

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woman looking at clothes in a shop
October 6, 2022

5 Things You Need To Know About Home-Based Business Insurance

Insurance might not be top of mind when planning a home-based business. Here are the top five things you need to know to protect yourself and your home.

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old car with just married sign
November 17, 2022

Insurance Tips For Newlyweds

Whether you've lived with your new spouse for years or you've just moved into your first home together, make sure you've checked these to-dos off your list.

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scale model of a small house on a table with house key
September 7, 2022

What Happens If Your Property Is Underinsured?

To avoid being underinsured is to be certain that you are appropriately covered for your home and your contents.

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two children playing in a swimming pool
September 7, 2022

7 Water Safety Tips For The Summer

Whether you're headed up to the cottage or planning a pool party, knowing some basic water safety tips can help keep you and your fellow swimmers out of trouble.

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woman carrying a basket of dried leaves and branches
September 7, 2022

How To Prevent Fires On Your Property

There's no place like home — so it makes sense to protect yours as best you can. Safeguarding your home against fire is a good place to start, but it's important to do the same for the rest of your property, including your yard.

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broken tree trunk after a storm
September 7, 2022

Tree Maintenance and Care

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

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woman sitting on a deck at a cottage looking out over a lake. she has her back to the camera
September 7, 2022

5 little-known facts about seasonal property insurance

When it comes to seasonal property insurance, it's about more than their physical differences. Take note of these five little-known facts about seasonal property insurance coverage and talk to your broker about what is (and what isn't) covered in your policy.

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Landlord and tenant discuss an apartment rental agreement
September 7, 2022

7 Questions You Should Ask Before Renting An Apartment

Apartment hunting? Beyond basic questions like rental cost and amenities, asking a few important questions will help you choose the right apartment for your situation and lifestyle.

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technician inspecting hot water tank
September 7, 2022

Save the Stress: Hot Water Tanks 101

Hot water tank disasters can sneak up on you if they’re not monitored for signs of wear and tear. It’s important to keep an eye on yours so you can fix any issues before they become too serious.

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three people sitting at a desk discussing an insurance policy
September 7, 2022

What’s the difference between replacement cost and actual cash value?

“Replacement cost” and “actual cash value” are two of the most common calculations insurers use to determine the amount a customer will receive if they make a home insurance claim or a car insurance claim. What’s the difference between them, and which applies when you make a claim?

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two men with moving boxes in an apartment
September 7, 2022

Should I buy a condo, home, or tenant insurance policy for my condominium?

If you’re moving into a condominium, there are some scenarios where you may need to purchase a home or tenant insurance policy for your condo instead of a condo policy. Here’s how to quickly determine which type of insurance policy to buy when you’re moving into a condo.

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man sitting on a sofa discussing his home insurance needs on a cell phone while looking at a laptop
September 7, 2022

6 Times You Should Call Your Insurance Broker

When you first sign a new home insurance policy, it will reflect the specific needs you have at that time in your life. When that renewal package arrives, it’s a good check point to reflect on the things in your life that may have changed in the past year that could affect your insurance needs.

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persons hand holding a red stethoscope against the roof of a small model of a house
September 7, 2022

How are home insurance premiums calculated?

Whether you just bought a new home and you’re shopping for home insurance, or you just received your renewal notice in the mail, you may be wondering how home insurance companies determine the amount you’ll have to pay for coverage. Let us break it down for you.

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house roof with heavy snow accumulation
September 7, 2022

Watch out for snow accumulation on your roof

As magical as it looks, a thick layer of snow on your roof can have heavy consequences. Here are some tips to help you get through winter without worrying that the sky will fall.

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person riding a snowmobile with a forest in the background
September 7, 2022

7 Common Sense Snowmobile Safety Tips

No matter what you intend to use them for, snowmobile safety is vital. They are powerful machines, and if you do not take care you could cause serious injury to you or others.

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pink ceramic pig half-buried in snow
September 7, 2022

Money saving tips for winter freeze

A few ideas to keep your home warm and comfortable this winter.

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person wearing yellow boots pushing a bright red salt spreader on a sidewalk in winter
September 7, 2022

How to keep ice off your sidewalks all winter long

It's winter in Ontario and that means icy sidewalks and driveways! Keep them clear to avoid slips and potential liability claims using some of these methods.

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appliance plug on fire while plugged into electrical outlet
September 7, 2022

7 tips to prevent electrical fires at home

Electrical fires can do some serious damage to your home and put your family’s safety at risk. The good news is electrical fires, like other household fires, are often preventable.

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woman on sofa shopping online with credit card
September 7, 2022

Q&A: Can my credit score affect my insurance rates?

In Canada, different organizations and individuals have the right to view your credit score. Here’s what you need to know about your credit score, including how it’s calculated, how it can affect your insurance premiums.

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view of lake with dock and autumn leaves on trees in background
September 7, 2022

Set your cottage up for a safe off-season

Cottage memories are fresh in our minds, but with the kids back at sch

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woman's finger pressing a key on a security alarm pad
September 7, 2022

Home improvements that could lower the cost of your insurance

If you’re thinking about making some home improvements this year, why not choose projects that could help you save on home insurance?

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toilet in modern bathroom used to illustrate a septic system
September 7, 2022

How to keep your septic system working properly

If your home or cottage has a septic system instead of a sewer connection, keep these 10 tips in mind to help keep it in good working order and help prevent

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Man using fire extinguisher to put out fire in oven
September 7, 2022

Your guide to household fire extinguishers

Fire is one of the leading causes of home insurance claims — but

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Woman holding cloth over her face while turning off leaking gas in oven
September 7, 2022

How to detect a natural gas leak in your home

Natural gas is one of the safest fuels to use in your home, but if you

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Mother father and child labeling packing boxes
September 7, 2022

Why it’s important to update your insurance address if you’re moving

To call Canada's recent real estate market ‘feverish' seems like

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A-frame log cabin viewed from a Lake
September 7, 2022

Things to remember before you rent out your cottage this season

Renting out your cottage can be a great way to let someone else enjoy

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Several boats in a marina
September 7, 2022

How to get your boat ready for summer

After sitting in storage over the winter, your boat needs to be cleane

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Men cleaning leaves out of house gutter
September 7, 2022

How to clean your gutters and downspouts

Your home's gutter system is critical in directing rainwater away from

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Graphic representation of coronavirus
September 7, 2022

COVID-19 INSURANCE RELIEF

At the beginning of the COVID-19 pandemic, CAA Insurance announced that all customers would receive a rate reduction and have continued this promise into 2021.

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Man and woman unpacking boxes from a car on moving day
September 7, 2022

Q&A: Does my home or tenant insurance policy cover my partner if they move in with me?

From coordinating moving truck rentals to making extra space in your c

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Three cardboard boxes sitting on the porch outside the front door
September 7, 2022

Seven Tips to Avoid Package Theft

It's no secret that package theft is on the rise across the country. W

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Young woman holding sides of face as she looks at a laptop computer
September 7, 2022

Beware of On-Line Pandemic Scams

According to the Canadian Anti-Fraud Centre, since March 2020, over 8,500 Canadians have been duped by pandemic-related scams with an estimated cost of $7 million. Here's how to protect yourself from fraud.

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Man and woman packing contents of apartment into boxes and suitcase
September 7, 2022

Golden Rule to Protect your Vacant Property

Are you spending this summer at the cottage? Are you selling or rentin

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Black mold on white ceiling around window frame
September 7, 2022

Q&A: Does Home Insurance Cover Mould?

The short answer is no, home insurance typically doesn't cover mould.

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Family wrapped in blankets sitting on sofa drinking hot drinks to stay warm
September 7, 2022

When the Power Goes Out

A power outage in your home can happen unexpectedly, and at any time.

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Person playing hockey on outdoor skating rink
September 7, 2022

How does Building a Skating Rink in your Backyard Affect your Home Insurance?

The backyard skating rink is a beloved tradition for families across t

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Woman serving Christmas turkey dinner to family
September 7, 2022

Tis the Season Not to Gather

In our August issue, we explained how hosting a learning pod in your h

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Concept image of building plans
September 7, 2022

Call Before You Renovate

As house prices continue to rise, more homeowners are deciding to stay in their current homes and updating them to suit their current needs. Here are the top 10 valuable renovations.

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Outdoor water tap in crusted in ice
September 7, 2022

How to Prevent your Hose Bib from Freezing

The outdoor faucet where you connect your hose (also known as the hose

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Pile of autumn leaves and leaf rake
September 7, 2022

How to Get your Home Ready for Fall

Each year, fall seems to come and go in the blink of an eye. It can fe

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Oil tank outside a building
September 7, 2022

How to maintain your oil tank and insure your property against oil spills

Depending on where you live, your home may be heated using oil. Leaks

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Two young men and two young women toasting marshmallows over a fire pit
September 7, 2022

Safety tips for outdoor patio heaters and fire elements

Patio season took on a whole new meaning this year, as people across the country adapted their yards for physically distant visits, playdates, and even outdoor workspaces.

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Older heritage home with white cladding green shingles and red trim
September 7, 2022

Questions Every Homeowner Should Ask about their Property

Did you know that homeowners are responsible for the maintenance and r

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Woman standing in front of open refrigerator
September 7, 2022

Home insurance coverage for spoiled food

The value of your food can add up quickly, especially if you have a de

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Children wearing masks working at school desks with teacher helping female child
September 7, 2022

Learning Pods Could be a Costly Mistake

According to a recent article in canadianunderwriter.ca, as schools ac

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Two women reviewing a document
September 7, 2022

Avoiding insurance seller scams & finding a legitimate broker

With insurance fraud on the rise across the country, we want to arm you with the information you need so you can recognize potential scams and make smart choices, especially when it comes to buying insurance.

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Woman packing clothes into a suitcase
September 7, 2022

10 surprising things that are covered by home insurance

Your home insurance policy is designed to protect you and your property in all kinds of emergencies.

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Hand signing document with a pen and keys to new home
September 7, 2022

Do You Need Home Insurance to get a Mortgage?

While most people know you're legally required to have car insurance before driving a new vehicle, there's no similar legal requirement for buying a home.

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Woman sitting on a sofa looking at a laptop computer
September 7, 2022

Busting Five Common Home Insurance Myths

Your home insurance policy protects so much more than your property and your stuff. One of the most valuable things included in your policy is third-party liability coverage.

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Hand holding paint brush applying stain to
September 7, 2022

Home maintenance: Spring/Summer edition

The good thing about home maintenance this time of year is that you actually get to do most of it while enjoying the sun!

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Mother and child sitting on sofa, child reaching out to touch mothers
September 7, 2022

Six Times you should call your Insurance Broker

Home insurance policies are one-year contracts. At the end of each yea

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Roof shingles pulled back after windstorm
September 7, 2022

Keeping a Roof Overhead

We have been experiencing a mixture of weather patterns lately, result

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Woman lying on so far looking at cell phone
September 7, 2022

How to Keep your Personal Information Secure when using Smart Home Devices

We use smartphones and tablets for everything, from banking to sharing

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Exterior view of older home in a snowstorm
November 17, 2022

Protect Your Home While You Escape the Cold

As the winter season drones on, many Canadians are escaping the cold b

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Burglar breaking into a house with
September 7, 2022

What to Do if your Home Has Been Broken Into

Sometimes, despite your best efforts tokeep your home secure, a break-

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Icicles hanging from eaves trough
September 7, 2022

Everything you Need to Know About Ice Dams

Those glistening icicles hanging from your roof may give your home tha

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Student wearing headphones holding binder in school hallway
September 7, 2022

Ten Surprising Things that are Covered by Home Insurance

Your home insurance policy is designed to protect you and your propert

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Man and woman excepting keys to a new home
September 7, 2022

Are You the Sharing Type?

Renting out your home on a short-term basis can be a great way to gene

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Female lawyer talking to two women
September 7, 2022

What is Third-Party Liability Insurance?

Third-party liability coverage is the portion of an insurance policy t

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Man holding cell phone while looking at a laptop computer
September 7, 2022

Should I Make a Home Insurance Claim?

When the unexpected happens, many people debate whether or not they sh

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Pile of wood in flames in a fireplace
September 7, 2022

Safety Tips for Wood Stoves and Pellet Stoves

There's something special about curling up beside a crackling wood sto

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Old fence and farm buildings with trees in the background
September 7, 2022

What to Look Out for when Shopping for an Older Home

If you're in the market for a new home, you might be considering buyin

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Image of living room with sofas, bookshelves and fireplace
September 7, 2022

What is “Proof of Ownership” When you’re making an Insurance Claim?

If you ever find yourself making a home or tenant insurance claim, you

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German Shepherd dog on a chain barking at an unseen person
September 7, 2022

Does Home Insurance Cover Dog Bites?

If you have a dog, you've likely wondered at one point or another what will happen if your dog bites someone, hurts another dog, or damages someone’s property?

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Small vehicle crushed under fallen tree
September 7, 2022

Before, During, and After a Windstorm

Strong, gusty winds can do some serious damage to your property and make for unsafe driving conditions. While most home and car insurance policies do include coverage for damage caused by windstorms, there are some things you can do before, during, and after a windstorm to stay safe and avoid damage to your property and your car.

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Steaming pot on stove
September 7, 2022

How to Safeguard your Home against Fire

Your home is your sanctuary, and it's the place where you should feel

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Couple in apartment looking out a window
September 7, 2022

Is Tenant Insurance Really Necessary?

John and Nancy are saving to purchase their first home and believe the

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Overhead view of some pump in basement of a home
September 7, 2022

Is your Sump Pump in Game Shape?

If groundhog Wiarton Willie's prediction of an early spring is correct

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Flooded kitchen
September 7, 2022

Return to a Safe, Sound and Dry Home

If you're planning to head out of town for a vacation or trip, the las

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White dog wearing Santa costume rolling a red ball on a white carpet
September 7, 2022

Ten Essential Safety Tips for Snowmobilers

If you snowmobile, that dusting of fresh powder outside may be calling

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Child wearing Santa Claus hat reading a book to a stuffed bear
September 7, 2022

Ready to Deck the Halls?

The holiday season is upon us. Your favourite café has broken o

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Close up view of cannabis plant
September 7, 2022

Five Things you should know About Cannabis Legalization and your Insurance

Since recreational cannabis use was legalized this past October, a lot

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Children in Halloween costumes carrying decorated trick or treat containers
September 7, 2022

Top Tips for a Safe and Spook-tacular Halloween

Yes, it's that time of year again — when little goblins, ghosts,

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Close up of hands holding a red velvet ring box and gold ring
September 7, 2022

Know Your Limits

Although your property policy offers a wide range of coverage to prote

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Man in construction clothing writing on a document on a clipboard
September 7, 2022

How to Safely Use Your Wood Burning Fireplace This Winter

If you're using a wood or pellet stove, you'll want to do some additio

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Man in construction clothing writing on a document on a clipboard
September 7, 2022

Careful Planning Is the Foundation to a Successful Build

More often in new custom home construction, we are seeing homeowners assuming the role of the general contractor and using the savings towards upgrades on their homes.

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Group of people holding drinks in glasses making a toast
September 7, 2022

That Extra Drink You Serve Can Be Costly

It's summertime and the sun is shining; it's the perfect conditions fo

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Hand holding a pen and signing document
September 7, 2022

Mortgages, Loans and Your Insurance

When you arrange a mortgage or loan, the financial institution's name

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man looking in shock at cancelled insurance policy
September 7, 2022

Why did my insurance company cancel my policy?

Insurance policies can be cancelled for a variety of reasons, either by the customer or their insurer, depending on the circumstances. If you're wondering why your policy may have been cancelled or how

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Close up of hand opening door to hotel room
September 7, 2022

Plugging Into Renewable Energy

Renewable energy sounds like a great way to make some extra money and

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Close up of hand opening door to hotel room
September 7, 2022

What is “Additional Living Expenses” coverage?

Your home insurance policy can protect you from so much more than physical damage to your property and liability claims. Additional Living Expenses coverage is included in most home insurance, condo insurance, and tenant insurance policies.

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Woman standing behind man with large home in the background
September 7, 2022

Insurance to Value is a Must

Your home will likely be your largest financial investment and you wan

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Water in living room surrounding furniture
September 7, 2022

Water Damage – Are You Covered?

Communities across Canada are experiencing more extreme weather condit

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TWo Muskoka chairs sitting on a dock overlooking a lake
September 7, 2022

Getting Your Cottage Ready for a Season of Fun

Despite the fact that cool wintry temperatures are holding on tight, m

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Burglar peering through a window into a vacant home
September 7, 2022

Vacant Dwellings: How to Secure Your Home and Maintain Your Insurance Coverage

Whether you're on vacation, in the process of selling a home you've mo

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Interior of vacant heritage home
September 7, 2022

Vacant Dwellings: Does Your Home Insurance Have You Covered?

Your home is probably your single largest investment and, as such, is

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Bed with tray holding coffee and coffee cup in a hotel room
September 7, 2022

Does Airbnb Insurance Cover Everything?

Airbnb offers a revenue stream for those with an extra room to spare or their entire house if they plan to be away for periods of time. While the financial potential may seem intriguing, many people are unaware of the potential insurance risks.

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Parents helping adult son to move into student residence
September 7, 2022

Should College Students Buy Tenant's Insurance?

It's Back to School Time again which means that many college and unive

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Men wearing carpentry belt and holding drill standing in front of kitchen
September 7, 2022

Renovating or Building a Home? Put Insurance in Your Tool Kit!

Protect yourself and your property during renovations Renovating or re

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Graphic with drawing of house and Words 10 home cleaning tips
September 7, 2022

10 Home Cleaning Tips To Get Ready for Spring

Spring is a great time to refresh your home. With longer, warmer days comes the chance to open windows and enjoy more outdoor living.

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Room containing several feet of water around furniture and television
September 7, 2022

Does Your Home Policy Include Flood Insurance?

Most Canadians assume that their homeowners insurance covers all types of water damage including flood. When a pipe bursts or a toilet overflows, in just a matter of minutes the damage can be extensive and costly to repair.

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Older home and vehicle engulfed in flames
September 7, 2022

Home Fire Safety

Each week about 7 people die from home fires in Canada. To protect you

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Living room with two feet of water around furniture
September 7, 2022

It's Flood Season

10 ways to prevent and minimize damage to your basement and personal i

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woman reading a document
September 7, 2022

The Lowdown on Insurance Deductibles

Have you ever looked through your insurance policy and felt like you were reading another language? Understanding insurance terminology might seem intimidating, but we're working on changing that. Let

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