Residential FAQS

Is renter’s insurance that important?

Yes it is! Could you afford to replace your personal belongings after a fire or a theft? What about relocation and the expenses you incur to temporary lodgings? A renter’s policy will cover all these items. In addition and just as important is liability protection. What if you leave the bathtub running or cause a fire? How would you pay for your responsible actions? Renter’s (tenant’s) insurance provides personal liability protection to cover these actions, normally up to $2,000,000.

How can I tell if I am under-insured?

Contact our office immediately. WILLIAMS & ESBER will complete a replacement cost estimation to ensure you have adequate insurance protection. We use industry approved software to determine these values. This is not a professional evaluation.

I work from home. Does my insurance cover my business property?

Normally, residential insurance provides for a small amount of protection against loss or damage to business property. This coverage is normally restricted to loss at the residence only. Consult your policy wording for the limit of your protection. This coverage does not include business stock. Some insurers now offer a home-business protection, with increased limits on business property and extensions of coverage and including theft away from residence.

Fire prevention is an important issue. Do you have any helpful tips?

It takes only minutes for a fire to spread throughout your home. Here are some tips to help you prevent and escape a fire loss:

•Install CSA approved smoke detectors on every floor of your home. Make sure that you change the batteries frequently to prevent malfunctions and test each detector at least once a month. If you have a security system, ask your provider to hook these up to your alarm system for additional protection.
•Do not smoke in the house, period, especially in bed!
•Keep a portable fire extinguisher on each floor of the house.
•Plan a family escape route.
•Keep all important documents in a fire proof box or in your saftey deposit box. For further safety tips, you can access the Safety Council of Canada at

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