9 Things You Didn't Know About House Insurance: 

1. If a summer storm thunders through and the fists of Thor strike down your roof, are you covered?

Yes, yes you are. This season for Regina has been particularly busy for Mother Nature. Catastrophic amounts of rain, extremely high winds and lightning shows that put Gene Simmons to shame. You'll be happy to know lightning strikes are covered with your home insurance policy. 

2. What if lightning knock down the power lines in my neighbourhood and we don't have power for hours on end and everything in my Freezer and Fridge rots, are we covered for that?

Unfortunately most basic home policies do not cover this, however most comprehensive policies do. Your comprehensive policy will cover damage or loss to your belongings (ex: food) caused by a failure of any system in your dwelling or outbuildings that maintains an artificial temperature (furnace, freezer, or fridge) as long as the damage is a result of that change of temperature and due to a peril insured on your policy. If you are insured for lightning and lightning strikes your house and fries your freezer and you lose all of your ice cream – fear not! Your ice cream is covered. However if a family member accidently unplugs your freezer and that causes your loss you will have to get them to replace your frozen treats.

3. What if an airplane crashes into your house, are you covered?

Yes! Fact, if an airplane were to crash into your house, you're covered. If you're in the house when this happens you have many more things to worry about than your insurance coverage but yes, you are covered in the rare chance of a plane crash. 

4. What if a satellite or meteor crashes into your house, are you covered for that damage?

Yes you are! It's very common for satellites to fall out of orbit and back down to earth. If major damage is caused make sure you file a claim with your insurance broker.

5. If an airplane or car or a fire or Thor damages an aircraft I stored on my property, is it covered?

No! Many people think because once you have house insurance everything under your roof is covered. This is not the case. Any vehicles, airplanes, motorcycles etc. must have extra insurance purchased in order to have them covered. Your regular home insurance policy doesn't cut it. 

6. Are you covered for flood or sink hole damages to your house?

No! Your regular house insurance policy doesn't cover damage due to flooding or that of a sink hole. The former obviously much more likely than the latter.

You are not covered for any loss or damage cause by flood, surface water, or overflow from streams or other bodies of water. However you are covered for loss or damage if it is due to a sudden and unexpected escape of water from a swimming pool or its attached equipment, fire fighting activities, or a public watermain.

7. Would you be covered for damage from an Earthquake or volcano?

Luckily Saskatchewan is situated no where remotely near a fault line or volcano, so this one we don't really need to worry about. Generally speaking, damage from an earthquake is not covered under your regular home insurance policy. You are not covered for loss or damage caused by snowslide, earthquake, landslide, or any earth movement. However, damage from the volcanic ash of a volcano often is.

8. Are you covered if your home gets damaged in a riot?

Again, living in Regina, the odds of your home getting damaged in a riot aren't that high, I mean, as long as the Rider's have a winning record. Generally you're covered for damage from a riot. 

9. Are you covered if an explosion damages your house?

Yes, you are covered for most damage to your house.....unless Dad was trying to be a hero this past Canada Day and exploded a part of your house, your insurance broker may have a few questions for you.

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their clients insurance needs are met.

They are you Trusted Regina insurance experts !

Here they share a tip on Fire Safety at the Cottage:

In Ontario, enjoying time with family and friends at the cottage is synonymous with summer. But don't forget that fire doesn't take vacations. You are responsible for keeping your family and friends fire safe so minimize the risk of fire and burn injury by including these important fire safety tips in your vacation plans:

Always stay in the kitchen while cooking. Make sure cooking utensils, paper towels and anything else that can burn are kept a safe distance from the stove. Always keep a proper fitting lid near the stove when cooking. If a pot catches fire, slide the lid over the pot and turn off the stove. Cooking and drinking do not mix. Excessive alcohol use is a contributing factor in many cooking-related fires. Drink responsibly and keep an eye on those who do not.

For all Ontario homes, cottages, cabins and seasonal homes to have working . Test smoke alarms monthly and each time you return to the cottage. Pack new smoke alarms and batteries in case they need to be replaced. Early warning is critical to safely escaping a fire.  It’s the law smoke alarms on every storey and outside all sleeping areas 

Make sure everyone in your cottage knows what to do if the smoke alarms sound, if possible, and determine who will be responsible for helping young children, older adults or anyone else who may need assistance to escape a fire.  Plan two ways out of every room 

Remember, you are responsible for the fire safety of your family and friends. Enjoy the summer and stay fire safe. Click here for more cottage fire safety tips.

The Office of the Fire Marshal (OFM) thanks the Insurance Bureau of Canada for its support to create a province where no one is hurt by fire. Click here for more information about the OFM. 

There are 2 Dusyk & Barlow locations to best serve you  4615 Albert Street South and  302 University Park Drive or find them online here . Read the words of their happy clients on their listing On the Regina Directory they are your TRUSTED REGINA INSURANCE EXPERTS  

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long-standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their client's insurance needs are met. Dusyk & Barlow is a TRUSTED REGINA INSURANCE Brokerage and in this insurance article, they answer insurance FAQs from the Regina public.

Your Insurance Questions Answered By Dusyk & Barlow Insurance Brokers 

1. Child Moving Out- What Insurance do they need? 

 When a child moves out they should get insurance for their home and belongings through Home, Tenant and Condo policies. Your insurance will provide you coverage for such things as fire, and theft. Liability is also included in these options, which will cover you in case you are sued due to negligence or cause bodily injury or property damage.

2. What is Broad Coverage?

Broad Coverage for the most part is the Cadillac coverage on the building and Pinto coverage on your contents. However, most insurance companies do offer coverage which is the opposite, so you can have the Cadillac coverage on your contents and Pinto on your dwelling. If you have broad coverage, you can insure specific belongings by scheduling them on your policy. This option is available for certain types of belongings like jewellery for example. This does require an additional premium, however, the coverage is comprehensive, and you can have a lower deductible.

3. Teenager getting in accidents with parents vehicle?

SGI brought out the Safe Driver Recognition Program many years back, it is intended to penalize the driver, not the registered owner in your case. However, if you have an auto policy, these accidents will affect the policy, as it is paying out for the damages. I always recommend that parents register the vehicle in their child’s name if they are the primary operator of that vehicle. By doing this it will not cost the parent extra on their own auto policies, as well for liability purposes.

4. What exactly is No-Fault Insurance?

The public has a common misconception of what No-Fault means. No-Fault means that as long as you have valid plate insurance, it does not matter who is at fault, regardless of whether it is a multi-vehicle accident or just one vehicle, the injured parties will be provided with some medical coverage. This coverage depends on whether you have chosen to be covered by No-Fault or Tort.

5. I am going away on vacation what should I do regarding my home Insurance?

 It depends on what time of year you go away. In the warm season, there is no requirement. However, we always recommend that you turn off your water. In the winter it is different. During this time of year, insurance companies require the following steps to be taken: you must turn off your water, have someone come in daily to check on your house or have an alarm system that monitors for low temperatures.

6. When travelling is my stuff insured? 

When you are travelling, your home, tenant or condo insurance will temporarily cover you anywhere in the world. This includes liability coverage. However, you will be subject to your policy coverage, policy limits and your deductible.

7. Scheduled Insurance for expensive items of Jewellery- worth it?  

If you have valuables it is essential that you discuss them with your insurance broker. Every insurance company has different limits and depending on the type of policy you have chosen, you could be underinsured or not insured for certain types of losses. It is a good idea to have your jewellery appraised. By doing this we can schedule your valuable jewellery on your policy for an additional premium. Scheduling your valuables will provide them with comprehensive coverage and a lower deductible, which can range from $0 and up.

There are 2 Dusyk & Barlow locations to best serve you  4615 Albert Street South and 302 University Park Drive 

Dusyk & Barlow Are TRUSTED REGINA INSURANCE EXPERTS

www.trustedregina.com works for YOU the public. We work extremely hard to find the Trusted businesses we feature on the Regina Directory and we do all the running around and checking on those businesses so YOU don't have to ..no other directory OR service out there offers the public the unique service that we do at Trusted and we take our job very seriously.

Our latest Trusted Regina Insurance partner stands together with us and certainly deserves their place in the ranks of Trusted Regina Businesses..here we tell you about Dusyk & Barlow and why they belong on the REGINA DIRECTORY of Trusted Businesses.  

Dusyk & Barlow

Dusyk & Barlow is a locally owned and operated Regina insurance business where you know you will be taken care of by some who knows their stuff and who genuinely cares about you.In fact not only do they know insurance but both Rob Barlow (Albert Street office) and Stephen Barlow (University Park office) are actually part of the 4th generation of Barlows in the Regina Insurance industry!

Starting with Garnet Barlow back in 1936 the agency evolved along the way to include Brian Dusyk in 1993 leading to the current Dusyk & Barlow Insurance Brokers of today. What does this mean for you? Well, it means if you need any kind of insurance for pretty much any kind of job, industry, or personal need, Dusyk & Barlow can help you find the right product and that they certainly have PLENTY of experience and will have pretty much handled any and all situations you could think of! They KNOW insurance and they also are dedicated and committed to providing the best possible service in a very personalized and professional manner.

The staff at both convenient locations are always ready with a smile and are willing to help you with whatever you need.

Dusyk & Barlow are Professional Regina Insurance Brokers You Can Trust ...It’s a reputation they've built in the Saskatchewan community, based on honest, reliable, personalized service to their clients. They have a commitment to maintaining a high standard of excellence in all that they do and their goal is to establish a relationship of mutual trust with each of their clients.

Their Aims are laid out on their website for all to see :

1. To provide you with the very best service.
2. To reduce gaps in coverage.
3. To reduce your insurance cost.

Their objectives are :

1. to be honest and fair in all our dealings,
2. to be interested in people and their problems,
3. to treat our clients’ needs as though they were our own.

Let this family Regina insurance business look after your family's insurance needs!

Check out their listing HERE  in the REGINA INSURANCE Category and read what their clients said about them!

 East location

South Location