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Many of us dream of an oceanside or lakeside retreat. After all, what could be more relaxing than watching the sun set over the rippling waves But when water finds its way into your house - no matter where you live - it s a different story. bad credit credit creditres

Say you wake up one morning to find your basement swimming in water. Well, that s bad enough, but it gets worse - the damage may not be covered. It all depends on what caused the flooding. Let s go through a few scenarios to see what causes of damage would and wouldn t be covered under your homeowners package policy. Maybe covered, maybe not bad consolidation credit debt

• A water pipe freezes and bursts while you are away on a two-week vacation. Since the damage occurred while your house was unoccupied for more than four consecutive days, it would be covered ONLY IF you had arranged for someone to check your house daily to ensure that heat was maintained, or if you had shut off the water before you left. If, on the other hand, the damage occurred while you were living in the house, it would be covered. bad company credit repair

• If the water in your basement came up through the main drain, then you re covered - as long as you have Sewer backup coverage on your policy. Many homeowners policies provide this option, although you may have to request it, and there may be a dollar limit on such coverage, especially in flood-prone areas. bad card credit credit

• If the water damage occurred as a result of a river overflowing, you d be up a creek without the proverbial paddle, insurance-wise. A peril (cause of loss) like flood cannot be insured against, because, the thinking goes, if you live in an area that can be flooded, sooner or later, it will be. Insurance is intended to protect against the financial consequences of unpredictable events, not those that are inevitable. bad car credit loan

• Perhaps you left your basement window open during a rainstorm. If so, that damage wouldn t be covered, because it could have been avoided had you been more careful. If, on the other hand, a windstorm broke your basement window and the water came through that opening, the damage would be covered, because windstorm is a covered peril. bad credit loan mortgage

• If the water seeped in through a crack in your foundation, or as a result of blocked drains from falling leaves, it wouldn t be covered, because this kind of problem is caused by a lack of maintenance, and is therefore preventable. The same goes for a leaky roof. auto bad credit loan

• If your washing machine suddenly overflowed, or you inadvertently left the bathtub running while you ran to answer the phone, that damage would be covered, because it is considered sudden and accidental. bad credit mortgage refinance

These are just a few examples. Obviously, water damage is a very complicated issue, so don t just go with the flow. Find out from your insurance representative what is - and isn t - covered on your policy, and how to stay out of hot water - or any water, for that matter! bad credit refinance

Sally Praskey is the editor of Insurance Canada, www.insurance-canada.ca, an insurance-related Web site for consumers and professionals, and co-author of

The Insurance Book: what Canadians really need to know before buying insurance. bad credit mortgage second

Tis the season for holiday fire safety Property insurance article at kanetix: Tis the season for holiday fire safety Article

Every year, we all get caught up in the busy holiday season. kanetix asks that you take a moment to look around and check that your family and home are safe during this time. Because the holiday season brings with it special safety tips, we ve compiled a list to help ensure that everyone stays safe. bad credit loan student

Your Christmas tree bad card credit

• Get a tree that is freshly cut. It stays green longer and is less of a fire hazard. bad credit financing

• Use a tree stand that has widespread legs for better balance and a large water reservoir. bad credit home loan mortgage

• Set up your tree away from all heat sources such as a radiator, television, fireplace, heating duct or sunny window. bad credit loan people

• Set up your tree so that it does not block doors or windows. bad card credit credit people

• Choose decorations that are flame-retardant, non-combustible and non-conductive. bad credit guaranteed loan

• Avoid decorations that are very small. These are a hazard to children and pets. bad credit refinancing

• Never use lighted candles on the tree. bad credit equity home loan

Your holiday lights bad credit loan payday

• Use a power bar with several outlets and a circuit breaker to avoid overloading. bad credit repair

• Don t bunch mini Christmas lights together - the excessive heat could melt the insulation and expose live wires. bad credit home loan uk

• Check all cords and plugs for fraying, cracks, or loose connections. When in doubt, replace old cords. 2nd bad credit mortgage

• Never run cords under carpets or across doorways, where they can overheat or become worn. bad credit loan unsecured

• Use Canadian Standards Association (CSA) certified light strings/sets. bad consolidation credit loan

• Use the proper light strings for the environment. Indoor light strings should not be used outdoors because they lack weatherproof connections. Some outdoor light strings burn too hot indoors. bad credit home loan new

• Inspect light strings before use. Check for cracked bulbs and for frayed, broken or exposed wires, and discard if faulty. bad business credit loan

• Turn off all tree and display lights before retiring for the night or before leaving the house. bad credit lender mortgage

Your fireplace bad credit home loan mobile

• Never burn gift-wrappings, boxes, cartons, and other types of packing in the fireplace. They burn rapidly and generate far too much heat. bad cash credit loan

• Don t hang Christmas stockings from the mantel when the fireplace is in use. bad credit loan private

• Always use a screen in front of the fireplace to protect against flying sparks. bad card credit debt

• Never use gasoline or any other flammable liquids to start a fire. bad business credit loan small

• Use only seasoned and dried wood. bad bankruptcy car credit loan

• Never let the fire smoulder. bad credit instant loan

• Clean the ashes regularly. Place the ashes in a metal container and store outside away from flammable materials. bad credit equity loan

• Don t use Christmas trees for firewood. bad credit georgia home loan

Proper home maintenance key to avoiding winter property damage Property insurance article at kanetix: Proper home maintenance key to avoiding winter property damage Article

Even the mildest of Canadian winters can have destructive effects on materials like concrete, brick and metal. Ice and snow can harm the structure of your home, while resulting water leakage or condensation can also mean costly repairs. application bad card credit

Your insurance policy is not a maintenance policy. It won t cover you if the damage to your home could have been prevented by proper maintenance. The best thing to do is fix things as they happen. Being proactive about maintaining your home can save you in the long run. bad credit home loan va

• Make sure your attic is well-ventilated and well-insulated. This will prevent ice dams (an accumulation of ice at the lower edge of a sloped roof). When interior heat melts the snow on your roof, water runs down and refreezes at the roof s edge. Eventually, the ice builds up and blocks water from draining off the roof. This, in turn, forces the water into your home and can cause thousands in damage. bad credit home loa

• Make sure all pipes near the exterior of your home are well insulated. Pipes in attics, crawl spaces and outside walls are particularly vulnerable to freezing in extremely cold weather. Fit exposed pipes with insulation sleeves and consider keeping your cabinet doors open during cold spells to allow warm air to circulate around pipes (particularly in the kitchen and bathroom). bad car credit loan new

• Seal all holes in your home s outside wall. Holes allowing for television, cable or telephone lines can leave your pipes and electrical system exposed to extremely cold temperatures and their effects. Use outdoor caulking to seal these small openings in your home s foundation. bad credit home loan really

• Shovel and salt icy walkways. If someone slips and falls on your icy step, you may be legally responsible for their injuries. Your property insurance policy offers liability coverage but you need to show that you did all you can to prevent an accident. bad credit fix

• Make sure roof shingles are in good condition. If the shingles on your roof are loose, shifting ice and water can cause even more damage. Save yourself a costly roof repair in the spring by keeping your shingles securely fastened. bad credit down home loan

• Patch cracked masonry. Water in between the bricks of your home will expand as it freezes, melts and refreezes during the winter months. Fixing small cracks will keep bigger ones from forming. bad credit lender

• Be careful when using fireplaces, stoves or space heaters to stay warm. Proper ventilation is essential. Keep flammable material away from space heaters and do not overload electric circuits. bad buy car credit

What if you do need to make an insurance claim bad bank credit loan personal

If you do notice any damage to your home caused by the winter elements, don t wait until the spring. Report it to your insurance company right away. You should make any possible temporary repairs to prevent further damage to your home. If you home was properly maintained, your insurance company will probably cover the initial damage but might not cover the additional losses that happened because you didn t take care of the problem right away. bad credit home loan purchase

Home heating energy-saving checklist Property insurance article at kanetix: Home heating energy-saving checklist Article

Has this winter s heating bills put a dent in your wallet Here are some great energy-saving tips for your home to help keep your heating costs down. Many of these tips also end up guarding your home from potential hazards. Follow these tips and you ll not only save money, but you might also save yourself an insurance claim. bad credit loan motorcycle

1. Check that the damper is closed tightly when not using the fireplace. bad credit help home loan

2. Check the temperature setting on the hot water tank and adjust it accordingly. A setting of 48 degrees Celsius/120 degrees Fahrenheit is recommended by the City of Toronto. arizona bad credit home loan

3. Consider insulating the water pipes from your hot water tank if they are not already. bad credit home loan motor

4. Clean or replace the furnace filter at least every three months throughout the heating season. auto bad credit financing

5. Turn thermostat down at night and when out of the house for extended periods by 3 degrees Celsius/5 degrees Fahrenheit. bad car credit loan used

6. Consider installing a programmable thermostat for the furnace to lower and raise temperatures according to your schedule. bad credit ct home loan

7. Use caulking and weather stripping to seal air leaks around doors, windows and the attic hatch. bad credit diego mortgage san

8. Use foam gaskets and childproof plugs to seal electrical outlets and switches. bad credit mortgage people

9. Ensure that heating vents are open and not blocked by curtains or furniture. bad credit down home loan no

10. Open the drapes/blinds and let the sun in during the day to help warm the home, then close them again when the sun goes down. bad company credit mortgage

11. Windows account for up to 25% of total home heat loss. Consider installing storm windows, or new Low E , argon filled glass windows, or shrink wrapping your windows. bad credit home loan michigan

How to foil a bicycle thief Article

Bike Tracks, the Canadian national bicycle registration system predicts over 200, 000 bikes are stolen in Canada each year. Only half of bikes stolen are actually reported to police, and only 13% of recovered bikes are ever returned to their rightful owners! bad credit home loan pa

While anti-theft devices are not 100% effective, the following tips should help deter a bicycle thief. bad computer credit financing

1. When parking your bicycle, select a secure, well-lit area. Bring your bike indoors with you whenever possible. bad credit mortgage second uk

2. Lock your bike. Unlocked bicycles are an open invitation for thieves. Whenever you are not riding your bike, it should be locked, even when it s in your garage. bad credit let mortgage

3. Make sure that your bike is locked to a solid fixture that can t be removed from the ground. Remember that wood can be cut through very easily so make sure the fixture is made of a strong metal. Be sure that the entire fixture cannot be lifted and taken away with your bike. bad credit get home loan

4. Avoid older bike racks that only hold the bottom of your wheel in place. Known as wheel benders for their ability to bend your wheels, they make it very difficult to lock your bike frame and wheels properly. angeles bad credit los

5. Try to fill the space inside of your lock as much as possible. This makes it hard for thieves to insert tools to pry open the lock. If you use a cable-style lock, make sure you wrap it as tightly as possible. bad credit home loan non owner

6. Be sure to lock up both wheels, as well as the frame. Just locking one part or the other could mean returning to find only parts of your bike attached to the fixture. If you are running your lock through the wheel, always lock it through the frame at the same time. atlanta bad credit home loan

7. Don t make it convenient to steal your bike. If possible, use two different types of locks at the same time (e.g. a cable lock and a U-lock). It stands to reason: most thieves want to make a quick getaway. They may not have the time or the tools to break two kinds of locks in a short time. Without a doubt, if there s an easier target nearby, they ll go for that. bad credit loan signature

8. Secure any quick release or easily removable items by locking them or taking them with you. While these features are very convenient for cycling, they also make it convenient for a thief. auto bad credit refinance

Register your bike bad credit home loan ohio

Let s face it - no locking system is perfect. Everytime a new anti-theft device enters the market, thieves find a way to beat it. If you want to make sure your bike can be returned to you if it s recovered after being stolen, register it with your local police department. Or better yet, list it with a national bicycle registration system available through the store where you bought your bicycle. bad credit home loan people

What if your bike is stolen anyway Bicycles are covered by your property insurance. You can make a claim on your policy to cover the loss of your bicycle, but insurance is usually intended for large losses that you afford to replace on your own. See kanetix.ca s A stolen bike - to claim or not to claim for more details. With files from Bike Tracks, Canada s national bicycle registration system. bad credit first home loan

Compare quotes: Auto Critical Illness Term life Motorcycle Property Travel Business Other Javascript is used to dynamically retrieve the radio button selected and send it with the url for the open.window link What s new Quick Poll Quote Ticker bad colorado credit home loan

Unsure of what type of travel insurance you need Learn more and read what thestar.com had to say about travel insurance coverage. Featured articles

• Are teens becoming better drivers
• A crash course for drivers in Canada
• So you think you can drive
• The facts of life: Top 10 life insurance myths
• How to not break the bank for a summer vacation

Read the article by kanetix Co-founder, Gregory Ellis on the state of today s auto insurance market as featured in the special information supplement on insurance. Read the article.-- Travelling this March Break > bad credit home iowa loan

If you re planning on getting away for March Break, don t forget to protect yourself and your family with travel insurance. Compare quotes online today.-- Have you seen our commercial > bad credit home loan nevada

If you haven t seen our commercial yet, you can view it online now. View kanetix s commercial.-- Travel health insurance for visitors to Canada Looking for travel health insurance for friends/family coming to visit Or are you visiting Canada Emergency medical travel insurance quotes are now available. Get travel health insurance quotes for visitors to Canada. account bad checking credit

A crash course for drivers in Canada A look at drivers in Canada and how their driving characteristics vary by province - Alberta, Ontario, Quebec, New Brunswick, Prince Edward Island and Nova Scotia. This article specifically looks at the accidents entered at kanetix.ca in order to get auto insurance quotes in 2006. Article A look at drivers in Canada Whatever you want to call it, an accident, crash or fender-bender, have you ever wondered who in Canada gets in the most mishaps kanetix.ca wondered and thought it would be interesting to highlight the bumper car style of driving sometimes found across the country. But, before we get into the good stuff, first the less then exciting details; kanetix.ca offers online auto insurance quotes to Canadians in Alberta, Ontario, Quebec, New Brunswick, Prince Edward Island, and Nova Scotia. As such, it is only drivers from these provinces whose aggregated data was used. The data comes to us from the collective group of drivers who in 2006 completed online auto insurance quotes through kanetix.ca. As much as we d like to equally and fairly look at drivers from British Columbia, Saskatchewan, Manitoba, and Newfoundland and Labrador too, we ve simply not got the information at our fingertips. So, count yourselves lucky! Because look out Alberta, Ontario, Quebec, New Brunswick, Prince Edward Island and Nova Scotia! Here it comes Accidentally speaking Of the total car insurance quotes completed online in 2006, almost 20 per cent (1 in 5!) included at least one accident during the last 10 years. Right off the bat, it is interesting to note that a higher percentage of quotes included an accident than a ticket (only 16 per cent of quotes included at least one ticket.*) But how do the provinces compare

• In Ontario, 20% of quotes included at least one accident bad credit history mortgage

• In both Alberta and Quebec, an accident was included in 19% of the quotes bad credit home mortgage

• In New Brunswick the slow descent continued to 17% bad credit loan personal

• Nova Scotia came in with the second lowest at 16%, and finally bad credit credit creditres

• In Prince Edward Island, where the lowest percentage was found, only 15% of quotes included at least one accident. bad consolidation credit debt

Well that s what the quotes showed, but how do the drivers rate After all, a quote can include just 1 driver or several. So when we looked at the drivers in each province and the accidents they ve been involved in, who do you think is most likely to have an accident included in their quote To start, 17 per cent of all drivers included in an online auto insurance quote had at least one accident during the last 10 years. However, looking at it individually by province shows a slightly more detailed picture of auto accidents in Canada: bad company credit repair

• 18% of drivers in both Ontario and Quebec had at least one accident bad card credit credit

• 17% of Alberta drivers had at least one accident bad car credit loan

• 14% of drivers in both New Brunswick and Nova Scotia had at least one accident bad credit loan mortgage

• 12% of PEI drivers included at least one accident auto bad credit loan

The results, likely do not come as a surprise to most people. After all, the provinces with the highest percentage of accidents are also the provinces with the most population. With more people living in these highly populated provinces, the more drivers there are on the roads and the greater the chance for an accident. No matter what province you live in, it s often a painful reality how accidents, especially multiple accidents or at-fault accidents, affect your auto insurance rates. bad credit mortgage refinance

You re in the driver s seat As unique as drivers are in Canada, there is still one universal fact; you must have auto insurance regardless of whether you live in Alberta, Ontario, Quebec, New Brunswick, Prince Edward Island, or Nova Scotia. Another fact is that too many of us overpay for our auto insurance coverage because we simply do not shop around for the best premiums. Typically, this is a result of one of two widespread myths:

• It doesn t matter which insurance company provides the insurance coverage, you ll end up paying the same rate. bad credit refinance

• Shopping around is for people with tickets or accidents only. bad credit mortgage second

Believing these myths could be costing you money, each and every year. Even with a ticket or accident-free driving record, you may be paying way too much for car insurance because auto insurance rates vary wildly between companies, all for the same coverage. Only by shopping around for auto insurance coverage and getting quotes from several insurance companies will you know you are getting your car insurance coverage at the best available rate. Don t pay more than you have to shop around for your car insurance policy. * For more information about tickets across Canada, read the kanetix article titled, So you think you can drive: A look at drivers in Canada. bad credit loan student

Are teens becoming better drivers Studies suggest that teen drivers are involved in few accidents than ever before. While this may be true, the fact is teen drivers are over-represented when it comes to accidents that involve fatalities and serious injury. This article offers tips for teen drivers to lower their auto insurance costs. Article Teen drivers have always been saddled with a bad reputation when it comes to driving. But could this be changing A recent US study by the Insurance Institute for Highway Safety (IIHS) hints that it may be, which is good news for teens and parents alike! According to the study, in 2005, 3, 889 teens aged 16-19 were killed on US roads and an estimated 1.9 million were involved in police-reported crashes. So where s the good news you ask Fair enough, however these numbers show that there were 8 per cent fewer deaths and 20 per cent fewer police reported crashes than occurred 10 years earlier in 1996. Most of the progress was noted, according to the report, in states where graduated licensing was a reality. What s graduated licensing have to do with it Well, according to one of the study s authors Anne McCartt they didn t set out to evaluate the effectiveness of graduated licensing laws, but our findings are consistent with the increased presence of such laws . You can speculate that graduated licensing allows beginners to learn skills and practice under lower risk conditions. All provinces in Canada have some form of graduated licensing, although each province s rules, restrictions and stages will vary. Typically, novice drivers are limited to when, where and with whom they can drive. However, as you move through each stage, you are subject to fewer restrictions. So has it worked in Canada as well as it has in the US Here s what kanetix found: According to Transport Canada s 2005 Canadian Motor Vehicle Traffic Collision Statistics brochure--

• The under-20 age bracket represents 4.9% of all licensed drivers bad card credit

• Of the drivers killed in 2005, this group accounted for 9.1% of the fatalities bad credit financing

• Of the drivers seriously injured, this group represented 11.4% of the total bad credit home loan mortgage

Of course finding the exact same information for the year 1993 (the year before any graduated licensing was implemented) for an apples-to-apples comparison was tough. However, we found another Transport Canada report (the 2005 Annual Report on Road Safety Vision 2010) which suggests that as of 2004, Both traffic-related deaths (down by 13.6%) and serious injuries (down by 11.9%) among this age group of drivers have decreased substantially over comparable 1996-2001 figures. While fewer teen driver deaths and injuries is great news, the fact is the under-20 group is still over represented in collisions where there is a fatality or serious injury. After all, this group only represents 4.9 per cent of all Canadian drivers, yet according to Transport Canada s report, is seven times more likely to be killed in a crash than the general driving population. This is part of the reason why, when a teen gets their licence for the first time and is looking for auto insurance coverage, they (or their parents) are often taken aback. After all, insurance is meant to cover the worst case scenario, which when there is a teen involved, unfortunately, is more likely to happen. As a result, insurance companies will generally charge more when there is a teen driver on a policy. There are ways to save money As a teen driver, or parent of a teenage driver, there are ways to ensure you are getting the best rate for your auto insurance coverage. Complete an approved driver-training course

New drivers can receive significant discounts off their insurance for the first 3 years they are licensed if they have driver training. It s a good thing to consider, since your insurance savings are usually greater than the cost of the course. Start off as an occasional driver bad credit loan people

Typically, teens start off by being listed as an occasional driver on their parent s vehicle to get those ever-valuable years of experience. As you get a few years under your belt, the cost of your insurance coverage decreases if your driving record is accident and ticket-free. Drive carefully bad card credit credit people

Too many people pay too much for their auto insurance coverage for one simple reason; they do not shop around. Sure, you should get a quote from the insurer your family currently deals with, but don t stop there because there may be other insurance companies that are teen-friendly and will offer you a better rate. Don t pay more than you have to shop around for a car insurance policy that affordably offers coverage to teen drivers. bad credit guaranteed loan

How to not break the bank for a summer vacation Great travel money-saving tips that will make your holiday more affordable - no matter where you go! Article Here are some of the ways you can save money when planning a summer vacation. With summer in full swing, getting out and enjoying your favourite places takes centre stage. Let s see if we can help you get out there for less. Here are the top ways to save money while planning a summer vacation. Top ways to save money on a family summer vacation

1. The Internet is your friend

Whatever you are looking to do, there are many websites out there that can help shop around for the best deals. But don t just rely on one or two of the all-in-one travel websites. Compare prices direct from the airline, train, bus, car rental and hotel too; often they ll offer their own Internet discount just for booking with them online. bad credit refinancing

• Compare vacations packages to doing it la carte

A pre-packaged vacation getaway can often save you money on the grand total cost of your vacation. But it only saves you money, if you need or want everything in the package. If the package includes a round of golf at a local course but you don t golf or if it includes an all-you-can eat buffet every night but you d prefer to venture out and try the local cuisine are you really saving money If you aren t going to use most, if not all, of the benefits offered through a package, you should compare the prices of just putting together a package on your own, with just the things you need. bad credit equity home loan

• A flexible schedule can be easier on the pocketbook

If you just want to get away, and can be flexible about where and when you go, you can have a great vacation at a fraction of the cost. A flexible schedule means you can take advantage of all those last minute deals and packages (these aren t just available for flights but rail lines too!). Plus, it means you can avoid the higher costs of going to a destination during peak season when deals and discounts are harder to find. bad credit loan payday

• Discount discussion

When finalizing your travel arrangements, make sure you mention that you are trying to save money and are wondering if there are any deals available. You don t know until you ask. You might be surprised to find out that some places allow kids to stay or eat for free! Plus, some hotels team up with popular local attractions and offer admission discounts. bad credit repair

• Membership has its privileges

If you are an auto club member, make sure you check into all of the perks and discounts they may be able to offer you. You can get breaks on rental cars, tickets to tourist attractions, maps for where you ll be visiting and much more. Also, if you work for a big company, ask if you can book personal travel arrangements through their corporate travel agent. Sometimes they have great discounts that you can take advantage of. bad credit home loan uk

• Plan to pack lightly

Packing lightly for your travels can save you money. If travelling by plane, train or bus, you will likely be charged fees for packing too much. Surcharges for overweight bags, oversized bags, and for checking more than the allowed number of bags per passenger are an unnecessary expense. 2nd bad credit mortgage

• Become a coupon cutter

Clipping coupons can really save you money while on vacation. Whether it is for lodging, food, or attractions, coupons SAVE money! And you can find them almost anywhere; online, in local newspapers, at convenience stores, and your hotel or motel. Also, if you re driving across provincial or state borders, don t forget to stop at the Tourism or Welcome Centres. You ll usually find a coupon bonanza! bad credit loan unsecured

• A final travel planning tip you can t afford to ignore

The last thing anyone wants to think about when planning a holiday is getting sick or injured, but when you are away from home even the most minor injuries or illnesses can become a major expense. So while an accident or illness can happen anywhere at anytime, emergency medical travel insurance helps to protect you from the unexpected costs that can come with a visit to a doctor or hospital outside of your home country. bad consolidation credit loan

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