Home Insurance – Why Your Roof Matters

When speaking with your insurance broker about home insurance, you will be asked several questions about your property. What type of electricity and pipes you have, whether you have a wood stove, even your proximity to water are common questions. They will even ask the age of your roof. You may wonder why this matters … Continued

Protecting Your Boat and Watercraft with Insurance

If you live in North Bay or the surrounding area, you probably enjoy fishing or boating on one of our many lakes, including Lake Nipissing. Kennedy Insurance has lots of experience with boats and watercraft, and can make sure you get the right coverage for your precious nautical possessions. Certain boats and water toys are … Continued

Umbrella liability – better protection for you, your home and your toys

Liability insurance isn’t something the average consumer pays attention to until they need it. Most policyholders are more concerned with the physical assets covered on their policy, and don’t take the time to consider their liability coverage. However, liability insurance is arguably one the most important pieces of your insurance policy for your vehicle, home … Continued

Insurance Considerations for Renting Out Your Cottage

If you’re renting out your cottage to cover ongoing costs, you should make sure that your insurance is covering this use of your seasonal property. Traditional seasonal property policies do cover renting to others up to 2 weeks annual, or in some cases one month. It depends on the insurance company, and the type of … Continued

Water Damage: What’s Covered and What’s Not

If you have standard homeowner’s insurance, you may think that you are covered for all damage caused by water of any kind, but this is not the case. There are certain types of water damage – specifically, sewer backup and overland water – that a standard homeowners policy does not cover. The good news is … Continued

Earthquake Insurance: Is it Worth Considering?

Earthquakes are not a common occurrence in Ontario. With a fairly major fault line in Eastern Ontario, unfortunately, to insurance companies and homeowners, an earthquake is not outside of the realm of possibility. Standard home insurance does not cover damage directly resulting from earthquakes. The only way you would have coverage due to an earthquake … Continued

Significant Changes to Auto Insurance Coverage Coming June 1, 2016

There are big changes coming to auto insurance for policies renewing June 1, 2016. These changes are the result of the Fighting Fraud and Reducing Automobile Insurance Rates Act, passed in 2014 and incorporated into the Ontario Budget for 2015. The Act was meant to protect consumers and reduce rates, but it comes at the … Continued

Combine your insurance products for the best insurance claim outcomes

It is always in your best interests to have all of your insurance products with one insurance company. Insurers offer large discounts, and potentially can provide a certain amount of preferential treatment, when negotiating additional insurance coverages or adjusting an insurance claim. The benefits of having your policies with one insurer Insurance companies may say … Continued