Q. What types of insurance does Dyberg Insurance Group Inc. offer?

A. Dyberg Insurance Group Inc. offers Commercial, Home, Tenants, Condominium,Automobile, Recreational, and Special events Insurance.

Q. What to Do if You’re in a Collision

A. Always call the police if: *someone is hurt; *you think any other driver may be guilty of a Criminal Code offence, such as drunk driving; and/or there is significant property damage. If no one is hurt: Safety first: If it is safe, try to move your car to the side of the road, out of traffic. If you can’t drive your car, turn on your hazard lights or use cones, warning triangles or flares. Just the facts ma’am: Jot down details about the accident, including how it happened, the time, date and location, the speed of all cars and the road conditions. Get the contact information (names, addresses, phone numbers) of the registered owners of all cars involved, other passengers and other witnesses. Get insurance information from all drivers involved in the accident, including the driver’s licence and plate numbers, and the names of their insurance companies and brokers.

Q. When you don’t have Collision coverage

A. If the collision was the other driver’s fault, you could claim payment of your damages from the at-fault driver. If it was your fault, you will be personally responsible for your damages.

Q. What You Can Do to Control the Cost of Insurance?

A. To lower your premium, ask your insurance representative about the following: increasing your deductible (i.e., your share of the cost of a claim) – by increasing the amount you are willing to pay, you will decrease your premium; dropping collision coverage on an older car; getting package deals for insuring your car and home, or more than one car, with the same insurance company; installing an approved theft deterrent system in your vehicle; buying a car with a lower-cost insurance rating.

Q. What can I do to make certain that I have enough insurance?

A. Know your home Quick - in what year was your house built? What type of foundation do you have? These are the types of details your insurance provider needs to know in order to calculate the replacement cost of your home and make sure you have the right coverage. The home assessment checklist will help you and your broker or agent get the correct information. Go to a pro Your insurance professional can help you calculate the right rebuilding value based on the details you provide about your home. You may also wish to hire a professional appraiser. Take stock of your stuff A complete inventory of your belongings will help you get the right coverage and make it easier to file a claim.

Q. What is Replacement Cost?

A. Replacement cost is the total cost that your insurance company would pay to fully reconstruct your home if it were destroyed. Replacement costs include things that may not be included in the resale value, like the cost and availability of skilled labour, debris removal, extra expense due to more stringent building codes, and more. Upgrades, renovations and other improvements can also make rebuilding a home more expensive than was originally estimated in your insurance policy.

Q. Will my renovations be covered by my home insurance?

A. If your insurance company doesn’t know about the renovation, you may not have enough coverage. The improvements you’ve made could have an impact on the valuation of your home. For example, if you expand your kitchen and add new appliances and granite countertops, you have added value to your home. The amount of your insurance should reflect those changes so that you have adequate coverage. Some policies cover minor remodeling work, but even if you think the changes are small, always check with your insurance representative to be sure.

Q. Is my new high-tech home theatre covered by my home insurance?

A. Because most home insurance policies cover contents up to a certain percentage, it is likely that your new home theatre will be covered. However, the only way to be sure is to talk to your broker or agent as every policy is different.

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