Maria.T.Insurance

Let’s talk about how your location can impact your rate and before you move contact me and I’ll be happy to provide you with rates. Age of your area and your home - older homes may have inadequate sewage systems- dated wiring/plumbing making you at higher risk for sewer backup, fire and flooding Proximity to other buildings homes that are closer together can be exposed to more risk with fire and other damages.... Fire services - home with a greater distance/response time of fire services can increase premiums because there’s more time for the fire to spread and cause grater damage. Traffic Patterns - urban areas typically have higher rates because there are more cars on the road and more intersections, increasingly the probability of a collision. Crime Rates - if your area has a higher probability of theft or vandalism you may pay a higher premium. You can take steps to lower your premium by improving your homes security system and adding anti-theft measurements for your autos. Environmental factors - if your in an area with a higher risk of flooding near a lake or River, or wildfires near a forest, your premium may be higher and it can effect your eligibility for certain coverages. Premiums are also approved by regulatory bodies in each province, which will cause prices across Canada to differ by province.

Today on All souls Day, we light a candle in memory of all those who have departed. May their memories live on within our hearts . . . May they be resting peacefully for eternity. #allsoulsday #eternalpeace #

La Capitale offers an excellent Safe Driver Product which covers individuals - as drivers, passengers, on a bus or as a passenger in any other passenger vehicles. Coverages cover include . . Lump-Sum payments for Total Disability... Hospital Stays. Accidental death Disability Income. 24 Hour per day protection, everyday of the year, on or off the Job, anywhere in North America. . No limitation for Back or soft tissue injuries including whiplash. . simplified underwriting with no medicals. . Application consists of 5 questions. . For more information please feel free to contact us directly. (416)219-0222 or (416)878-1019

The leaves are falling, and the evenings are chillier, which means winter is on its way. This autumn make sure you follow these home maintenance tips to take go...od care of your home and to avoid damage to your property through the fall and winter months. Clean and possible replace your gutters Check for drafts in your home and have them rectified to save on heating energy costs Drain outdoor faucets to prevent freezing and bursting pipes Bring your outdoor furniture inside to avoid damage Seal cracks in your driveway to avoid freezing and expanding from winter Change your air filters to improve heating efficiency Fertilize your lawn to prevent winter damage to the roots Test out your winter equipment you don’t want a broker snow blower on the first snowfall Change batteries in smoke and carbon monoxide detectors Most of these tasks won’t take too long, and they can go a long way to save you money and avoid a claim on your home insurance. If you do ever need to make a claim, our claims line is available 24/7 and can also be accessed through our app. #thinkBIG #autumnvibes #autumnfeels

Wishing you all a Happy and Healthy Thanksgiving. . Although this Thanksgiving may be a little different than those we’ve celebrated in the past, May the importance of it still be true in your heart’s. .... During these unprecedented times however you are celebrating May we give thanks for our Health, our families and friends. . . #thanksgiving #happythanksgivng #abrokerslife #thankfulgratefulblessed