Is your cottage covered against fires?

Is your cottage covered against fires?

http://bit.ly/1113Drl Cottage Life

When Alice Ogden’s Manitoulin Island cottage burned down in 2005, “We knew the cottage was insured, but we didn’t know by how much.” The Ogdens bought their getaway (originally a cabin at a fishing resort) in 1985 and assumed the existing insurance policy. As a result, the $51,000 in structure and contents coverage “wasn’t enough to build a modern cottage,” she says. The replacement (including such big-ticket items as a new wood stove and composting toilet) cost more than three times what the original building was insured for.

More information 
http://bit.ly/1113Drl Cottage Life 

Damage from flood not covered by insurance

Damage from flood not covered by insurance

Those affected by the flooding in Haliburton County will not be receiving much relief from their insurance coverage.

Damage caused by overland flooding is not protected under home insurance policies anywhere in Canada, according to the Insurance Bureau of Canada.

http://bit.ly/Zq9w0r Midland Free Press 

Did not know this, did you?

Liability insurance 'unsustainable': AMO

http://bit.ly/sQ2Ro9 Midland Freepress

Liability insurance is a major issues for various groups.

FOCA Insurance Programs

FOCA Membership benefits. One of the most valuable is access to special insurance options. For over 10 years, FOCA has provided risk management and insurance programming support for Ontario’s waterfront community associations.

New in 2011
FOCA Member's Cottage and Watercraft coverage.

Please see page 21 of the FOCA Fall News Letter

http://www.foca.on.ca/xinha/plugins/ExtendedFileManager/demo_images/FOCA_RTM_Newsletter_FINAL_Fall_2011.pdf

FOCA COTTAGE AND BOAT INSURANCE

FOCA, in association with Atrens-Counsel Insurance Brokers Ltd., is pleased and proud to announce a NEW insurance program available to FOCA members at a preferred rate.

FEATURING:

* Best-in-class coverage for cottages and watercraft
* Replacement-cost coverage
* Designed for cottage owners, by cottage owners!
* FOCA membership benefits

Hundreds of associations already trust Atrens-Counsel for superior group liability protection for their volunteers and directors. Now, we proudly introduce a program for FOCA member cottages and watercraft that is a cost-effective option for cottagers.

Check out the information on the FOCA web site

http://www.foca.on.ca/FOCA-Cottage-Craft-Insurance

I do not know how these rates compare to your current rate, but if you are up for renewal check it out.

You can keep up to date with all the our membership with FOCA brings by subscribing to their Elert emails. You can sign up on the FOCA home page

http://www.foca.on.ca/ 

Issue from the 2011 AGM - Possible Insurance Savings

Tiny has been upgrading their Fire Department, you may qualify for a break in your insurance. 

"The Township of Tiny Fire Department has a Tanker Shuttle Accreditation, please print the document linked to the previous title and submit to your insurance. This document COULD mean a discount to you for your home insurance." 
Link to the Tiny Page 
http://township.tiny.on.ca/residents/FIREEMERGENCYSERVICES/InsuranceInformation/index.htm

Please share your experiences with your insurance and the new accreditation.

One of our member reported a 5% savings with the new accreditation.
An other member has reported a $400.00 savings with the new accreditation.