Debbie Perlman Blog

Knowing what to expect and what you need to do when you have a major claim like a disaster will make a big difference in how quickly you get your claim cheque and back on track to your normal lifestyle. Disaster claims are the most stressful types of claims because you are not only under extreme personal stress due to your loss, but a disaster claim like a tornado or hurricane usually involves a large group of people who are suffering similar losses and so the insurance company claims teams can also be short of staff or overloaded. Know Your Policy to Get the Most Out of a Claim Settlement Your policy has several provisions in it that are laid out in the wording of the policy that is normally attached to your insurance policy declaration page. All of this can be really confusing this list of what to expect will help understand: What happens at the different stages of an insurance claim? What you need to do? How to understand the p...

There are many aspects that influence whether your home insurance or condo insurance policy is the best policy for you. We will cover many of them for you right here, but  the most important thing  you need to know is: your insurance policy is only as good as the contract itself and the wording. As consumers, we tend to focus on the price of the insurance, but there are ways to balance price with value if you can understand the basics behind your home insurance policy. This is what we are setting out to help you with here. The problem is insurance can be complicated and with so many clauses and things to think about, it is easy to get lost. Most often when people are upset with an insurance company, it is more about not having the right information before a claim happens, than about the insurance company itself. Insurance companies follow contract wordings and this is why it is so important to understand what you are signing up for. I...

For renters, insurance isn't always a top priority, in fact it may rank up there with  getting alien abduction insurance   for some people. It seems like an extra cost that doesn't make a lot of sense especially if you just finished paying for  arranging your move. By the time you get settled in, it is easy to forget about the insurance. There are many reasons a renters insurance policy is an important part of protecting your financial security here are renter insurance coverage examples and details about what is covered by renters insurance to help you understand if it is worth it.   Why Is Renters Insurance Important for You? The basic coverages for renters insurance are: Your contents or personal belongings at home Contents or personal belongings away from home  Your Personal Liability (which works the same way as liability in homeowner insurance)   Medical Payments to Others A...

If you are facing a situation where your insurance company has told you that you need a vacancy permit, or that they need to change your insurance because you have a vacant home, you are not alone. It is a common problem that people face, and there are ways to deal with it. A lot of people get really upset when dealing with a vacant home because the insurance company changes the conditions of the insurance and start to ask a lot of questions, or ask you to fill in a vacancy questionnaire before giving you the insurance. You'll need to understand why the home is being considered vacant, and make sure you are well informed about the changes that will happen on your home insurance policy once it is vacant, lets go over the basics of vacant homes and insurance here so you are prepared to make the best decisions to protect the property and your investment while the home is vacant. What Is a Vacancy Permit Exactly? A Vacancy Pe...

There are two kinds of insurance when it comes to looking into nursing home insurance: Insuring your personal belongings and/or liability when you live in a nursing home Purchasing insurance that will help you cover the costs of living in a nursing home if you ever need to live in one These are two different kinds of insurance that are useful to know about as you plan for the unexpected, or need to make a move into a nursing home for either yourself, your spouse or your parents. 2 Kinds of Nursing Home Insurance With both types of nursing home insurance, there are ways that can help you save money, and also make smart planning choices for the future. This article covers an overview of these various insurance coverages for covering you in a nursing home. Insuring Personal Belongings in a Nursing Home When you move into a nursing home you usually get rid of a lot of the contents of your hom...