Safety devices such as; monitored alarm systems, smoke detectors and carbon-monoxide detectors are not only an effective way to increase the overall security of your home, but they can also reduce the cost of your home insurance. Sites such as Health Canada and Securite Publique Quebec provide valuable resources about the importance of home safety devices as well as accident, …

Read More

Summer is upon us and you may be thinking of relocating or purchasing a new home. Home insurance will be an important aspect of your purchase. Be sure when you purchase a home that you also understand how home insurance works. The most often asked questions about home insurance have to do with house insurance to house value ratios. This …

Read More

Vacation season is here! Whether you’re planning a weekend trip to your cottage, or a lengthier overseas vacation, it is important to always protect your home while you’re away.  Preparing for the unexpected will give you great peace of mind. It is devastating to return home only to discover your home has been vandalized, broken into or there has been …

Read More

Don’t overpay on your home insurance premium by evaluating your home incorrectly. Find out what determines the right value and how you can save. This is an important question – and worth getting it right. For example, if you use the market value of your home as your insured value – in some areas of Canada such as the big …

Read More

What should I do in the event of a fire? What is sewer backup and why do I need this type of insurance coverage? Merlin Insurance answers your questions. 1.How is the replacement value of a home determined? Are you good at calculus? We’re kidding. It’s actually pretty simple to understand the value of your home. First take an inventory …

Read More