When to contact your insurer
It’s important to make sure you always have the right coverage.
When your circumstances change, you don’t always think to call your insurer—but you really should and here’s why it’s important:
- You’ve renovated your basement or put an addition to your home.
It’s important to revise your coverages to make sure your investment is properly covered in the event of water damage, for instance.
- You’ve installed a swimming pool or a hot tub.
You’ll need additional home insurance coverage to cover your new property.
- Your child is renting an apartment while they’re away at college.
It’s worth asking your insurer if their contents can be covered under your home insurance policy.
- You’ve re-roofed your house.
Improvements like these could save you money on your home insurance premium!
- You’re renting all or part of your house, or you’re renting out rooms.
Your insurer will need to review your coverage and liability insurance to make sure you’re adequately covered.
- You’ve installed a fire, theft or water leak security system.
- Your prevention initiatives can help you save on your home insurance! The Personal offers home insurance savings for security and prevention systems.
- Your house will be empty for a long period.
It’s important to contact your insurer to tell them when you’ll be away. Always let your insurer know about any situations related to an extended absence.
With Online Services, you don’t have to call!
To make your life easier, The Personal policyholders can make changes directly online.
Use our Online Services to:
- Change your address
- Change your payment method
- View your insurance policy
- Make a claim
For any other changes, you can always call or write us.
Better safe than sorry!
Changes that affect your home can influence your coverage, your insurance premium and even your claim settlement. Even if the change seems trivial, you can’t go wrong by telling your insurer.
Certain conditions, limitations and exclusions may apply. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.
These tips are provided for information purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.