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  • Watercraft Insurance & Safety Tips For Summer - DGI Direct
    Never exceed the maximum number of passengers safely allowed on your boat Ensure that your passengers remain seated while your boat s in motion Always operate your boat at a safe speed especially if you re in a crowded area Respect buoys and other navigation aids they are there for a reason to ensure your safety on the water Keep a close watch on your surroundings at all times watch for other vessels in the vicinity and keep an eye on water conditions so that you can react quickly in a potentially dangerous situation Never mix alcohol and boating Boating under the influence is a criminal offence what s more when you drink and boat you double your chances of getting into a boating accident In most Canadian provinces if you plan on drinking on your boat it must be equipped with permanent kitchen toilet and sleeping facilities Follow a pre departure checklist like this one from Discover Boating Canada to ensure you have all the necessary items with you on board Staying safe on a boat means knowing how to swim make sure that you and all your passengers have at the minimum some basic swimming abilities so that you can swim to safety if needed Have a Float Plan make sure that someone whether it s a family member or local marina staff knows where you re boating and how long you plan to be out Other information to share could include your name phone number and address your boat type and its registration information and the type of signal and communication equipment that you have on board When You re on a Personal Watercraft Getting on a personal watercraft PWC is a great way to explore the many lakes and marinas this country has to offer Stay safe while you re on the Jet Skii or Sea Doo by following some important precautions Just as with a boat never carry more riders than your PWC allows remember a skier also counts as a rider If you can go out on the water in pairs stay with another PWC but maintain a safe distance while you re in motion Familiarize yourself with the area you ll be navigating steer clear of hazards like rocks and sandbars If possible don t travel so far out that you lose sight of the shore Obey speed limits and local regulations at all times Avoid areas that are off limits to PWCs Stay alert for swimmers water skiers and other PWCs so that you can steer clear to avoid a collision Avoid traveling at night since PWC aren t equipped with running lights your visibility will be greatly reduced and your chances of getting into an accident greatly increased Stay Safe on the Water No Matter Your Style Remember even if you forgo the boat or Jet Skii that doesn t mean you shouldn t be cautious when on the beach or by the pool equip your pool with a climb resistant

    Original URL path: http://dgidirect.ca/property-insurance/watercraft-insurance-safety-tips-for-summer/ (2016-05-01)
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  • Tips for Getting an Inground Pool This Summer - DGI Direct
    less selection in terms of size and shape they re rectangular for the most part but also come in freeform and L shaped varieties These are made from a flexible liner that s fit into an excavated hole and attached to a wall framed by aluminum or steel Fiberglass pools are the most affordable of the three pool types and can be installed in just three days The downside however is a limited selection of sizes and shapes but what they lack in variety they make up for in durability they come with a smooth gel coat finish that s nonporous and sturdy Fiberglass pools are molded in the factory then set into an excavated hole Consider Expenses If you don t consider expenses before jumping straight into building you run the risk of overspending or taking on a project that s simply too big for your budget Before you pick a pool type or hire a contractor establish a budget for your new pool A typical concrete pool will set you back approximately 20 000 45 000 while the fiberglass option costs around 20 000 40 000 A standard vinyl pool comes in at around 20 000 30 000 Remember all of these prices don t take into consideration extra features like heaters lights patios etc which will escalate the price of your pool Although you may have an idea of how much you want to spend on the pool itself don t forget about long term costs like maintenance upkeep equipment and chemicals Pick a Credible Contractor When you ve picked a pool type and set a budget your next order of business is finding a credible pool construction professional to get the job done The best way to ensure your contractor is a credible one Get referrals from your pool owning neighbours and friends and check your local pool builders association After you ve narrowed down your candidates interview each of them and ask for examples of their work Don t be shy to ask questions a good pool builder will be able to answer them Consider Zoning Regulations When planning for your new pool it s vital to take zoning requirements into account Zoning regulations and requirements differ from one town to the next so make sure you consider your own town or city s requirements For example outdoor pool owners are generally required to build and maintain an enclosure around their pool which requires a permit and must adhere to a specific set of rules Don t Forget About Insurance When considering expenses don t forget about insurance If you ve just installed a new swimming pool contact your insurance provider as soon as possible so that they can provide you with the necessary coverage and adjust your homeowners policy accordingly After you ve gotten your new pool installed you may see your premium increase this is because your insurance provider is taking on additional risk as a result of your pool installation What s

    Original URL path: http://dgidirect.ca/property-insurance/tips-for-getting-an-inground-pool-this-summer/ (2016-05-01)
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  • 10 Tips for Hosting the Perfect Summer Party - DGI Direct
    t have to be too match y 4 Pick Paper Invitations Online invitations may be quick easy and convenient but there s nothing like receiving an old fashioned paper invitation Mailed invitations are the perfect way to build anticipation and help set the overall tone of your party Choose ready made invitations from an online or brick and morter stationary shop or get creative and save a good deal of money by making your own any craft store would have all the supplies necessary to make some charming paper invites for your guests 5 Prepare Drinks Beforehand A summer party wouldn t be complete without drinks alcoholic or not To make sure your guests have something to sip on right away prepare cocktails beforehand and serve them to guests as they arrive A mixed punch bowl is great for outdoor parties and margaritas and sangrias are classic summertime favourites If you want to keep things casual set up a self serve bar where guests can mix their own drinks and make sure to include plenty of non alcoholic options to keep everyone happy and hydrated No matter the type of party a good host or hostess is responsible with alcohol make sure your guests don t go overboard with their drinks and always ensure that guests have a safe way home after the party s wrapped up 6 It s All About the Food Whether it s summer or mid Winter birthday or garden party food is one of the most important parts of any get together Take advantage of summer flavours by choosing produce that s in season seasonal fruit like peaches watermelon and cherries and vegetables like artichokes and field tomatoes will keep your menu light and summery While grilled meat entrees and appetizers are always a summertime hit make sure to prepare alternatives for your vegetarian friends Prepare most of your food in advance and lighten the load for yourself by getting guests to bring a dish most of the time people are more than happy to contribute 7 Make a Solid Playlist What s a party without a playlist Keep your guests head bobbing singing and dancing with a solid set of songs that will satisfy all tastes Set up a playlist beforehand to avoid any silences or get your guests to take turns being DJ If you ve decided on throwing a themed party choose music that works with your theme like Hawaiian music for a Luau theme and Summer Top 40 for a Day at the Beach 8 Don t Forgo the Lighting When you think of party you may not think of lighting but the way your party is lit can actually make or break the mood of your entire get together Make sure that your lighting reflects the overall ambience of your party choose dimmer lighting for a cozy get together or paper lanterns and string lights for an outdoor barbecue 9 Keep it Comfortable While mixing and mingling is always fun

    Original URL path: http://dgidirect.ca/home-tips/10-tips-for-hosting-the-perfect-summer-party/ (2016-05-01)
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  • Best Solutions for Walkway Ice Removal
    liability lawsuit a variety of factors determine the degree of liability of the homeowner But if you re not adequately covered or if the cost of damages exceeds your maximum coverage you could end up paying a lot of money as a result of an easily preventable incident Note that if you rent your home you may or may not be responsible for removing ice and snow that could lead to injury Typically if you live in an apartment complex the landlord or is responsible for these kinds of services However if you rent a single family home the onus likely falls on your shoulders Review your rental agreement thoroughly to determine if this is the case How to Safely Remove Ice from Your Entranceway Removing ice from your entranceway is easy with the right tools and should be done as quickly as possible to minimize risk Step 1 Make sure you have a sufficient amount of salt or an alternative de icing product such as clay kitty litter or sand Step 2 Sprinkle a path of salt along your front steps and walkway Carefully walk to the end of your walkway and find a safe place to plant your feet Step 3 Begin sprinkling salt in an S pattern using about one tablespoon per square foot Step 4 Ensure that you have a firm footing then use a hoe or sharp shovel to scrape away the ice Push the broken ice away from the walkway into the snow grass or road Step 5 Work your way up from the walkway to your front steps removing the ice as you go Step 6 After you have removed all the ice layer the area again with another thin layer of salt Depending on the municipality you live in you may also be responsible for clearing the sidewalk adjacent to your property of snow and ice usually within 12 to 24 hours of a snowfall subject to a fine if you fail to do so Check your municipal website to find out whether this applies to your city or town Additional Tips for Keeping Your Home Safe Check your waterspouts for ice buildup Chip any blocks of ice away as these can be a tripping or falling hazard If you notice any icicles hanging off your roof block the area off with brightly coloured cones or tape until you can safely remove them Make sure that any outdoor holiday lights are safely installed and not posing a risk by hanging too low Take note of any other potential safety hazards while clearing away ice such as large cracks or holes in your walkway or driveway Finally if you plan on going away on vacation ensure that you ve arranged for a friend or neighbor to clear away ice and snow on your property while you re away You re still subject to premises liability even if you re not present when it occurs Avoiding slips and falls this winter starts with your

    Original URL path: http://dgidirect.ca/home-tips/best-solutions-walkway-ice-removal/ (2016-05-01)
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  • Identity Theft: What it is and How to Prevent it
    card responsibly Stealing Simply by snatching from purses and bags thieves may gain access to your financial accounts Reduce your risk of loss by stashing the cards and documents you don t need on a daily basis such as your passport or birth certificate in a safe place at home Only carry credit cards and ID you actually need Dumpster diving Thieves may sift through your garbage looking for bills credit cards or other pertinent information Shred papers with personal information before you dispose of them and bring in your mail daily Phishing By pretending to be financial institutions charities or other companies thieves can send spam over the internet or pop up messages that encourage you to disclose personal information Avoid offers that seem too good to be true whether online or on the phone Social Media Networking Thieves may roam social networking sites to steal personal information that they can use to commit fraud Always be mindful of the information you post online Bloggers and those active on social media channels should take extra precaution to ensure they aren t disclosing confidential information to their followers What should you do if your identity is stolen We recommend taking immediate action if you notice any suspicious activity in any of your secure accounts A list of organizations to contact if you discover or suspect you may be a victim can be found in our identity restoration kit Our Identity Theft Assistance service offers all the support you need throughout the identity recovery process Our team can put you in touch with identity theft lawyers and a psychologist and help you file a police report and alert credit reporting agencies that a fraud has taken place Either as a preventative measure or if there s a risk your identity has

    Original URL path: http://dgidirect.ca/property-insurance/identity-theft-prevent/ (2016-05-01)
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  • What is Tenant Insurance and Do You Need It? - DGI Direct
    s being repaired Accidentally leaving a stove burner on is easy to do Replacing all your possessions after a fire without insurance is not Something else many people don t realize is that coverage for your possessions applies even if they are not in your home If your car gets broken into while you re out running errands and someone makes off with your GPS device and CD collection all that stuff would be deemed property and would be covered under your tenant insurance not your car insurance Liability Coverage Continuing with the same example imagine that the fire not only destroyed your possessions but also spread to other units and damaged other people s property An investigation determines that you left a burner on and are thus responsible for covering everyone s losses It seems like a nightmare but it could happen Thankfully tenant insurance also provides liability coverage for damage you might cause to other people s property due to an insured loss So in this scenario you would be covered Liability coverage applies as well if someone is hurt due to your negligence Thus if a guest slips and falls because of a wet floor in your apartment and decides to sue you wouldn t have to worry about paying damages in court What Should You Know Before Getting Tenant Insurance Before getting tenant insurance you should take an inventory of your possessions to get a sense of how much coverage you need for your insurance policy The Insurance Bureau of Canada has a Personal Property Inventory form that makes it easier for you to take an inventory of all your possessions Print out a copy and bring it with you around your home or apartment making note of what you own you will probably be amazed at how much stuff you ve acquired Add up the approximate value of all of your possessions so you know how much coverage to ask for Some other tips Take photos or video footage of your more valuable possessions Save any warranties instruction manuals and receipts as proof of ownership Store your Personal Property Inventory form along with your warranties instruction manuals and receipts in a safe place outside of your home like a safety deposit box or online Review your Personal Property Inventory form every year to update the value of your possessions If the worst happens and you need to make an insurance claim to cover your damaged or stolen possessions this information will act as proof of their value Having it readily available will make the process of filing a claim much easier saving you time and money Many landlords now require you to have a tenant insurance policy before you can sign a lease Protecting your contents from loss or damage as a tenant just makes sense A few dollars a month buys you peace of mind when it comes to the things you hold dear while also protecting you from certain types of liability Learn

    Original URL path: http://dgidirect.ca/property-insurance/what-is-tenant-insurance/ (2016-05-01)
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  • Canada Water Week & Avoiding Flood Damage | DGI Direct
    For example if it s built on an incline water may move toward the property instead of draining away from it If possible try to add earth to the ground so that the home is graded properly and water runoff moves away from the residence IBC advises Additionally water can leak into the house through what may seem like insignificant crevices That makes it crucial to ensure that all window sills are sealed as leakage can wear away the wood that s surrounding the windows potentially leading to mildew formation as well Eavestroughs help catch the rain that falls These can be rendered useless if they re backed up with debris IBC recommends clearing the eavestroughs by manually taking out leaves and dirt that s built up inside A ladder will likely be needed in the process As for inside of the home IBC says that a good failsafe measure is to have backwater valves installed in the drainage and plumbing system This can help limit the effects of a flood should one occur after a malfunction of a home s water supply Develop home inventory Basements are chiefly the portion of the home that s most affected after a flood This makes it important to clear cellar floors of any belongings that are susceptible to water damage IBC recommends preparing a home inventory of all the things in the home that are insured Canada home insurance providers will then be able to use this to determine what items were damaged or destroyed Something else to be aware of is insurance protection As IBC notes overland flooding is not covered through most standard home insurance policies However there are ways in which homeowners can still protect themselves should they be impacted by high water levels Speak to an insurance representative about some of these maintenance strategies What is covered through home insurance is if a home is flooded after pipe bursts or some other type of plumbing related accident There are exceptions to this rule though For example IBC notes that if a water pipe explodes because of freezing temperatures insurers may not provide for this risk Speak with an insurance representative who should have all the relevant details about what flooding issues are and are not covered With an estimated 35 million people Canadian homeowners see far fewer floods than the U S does It remains a significant cause of environmental disasters though both in damage totals and frequency According to the International Disaster Database floods are the third largest cause of economic damage resulting from environmental catastrophes in the country superseded by storm damage and wildfire according to data from 1980 to 2010 Flooding affects the largest percentage of Canadians among all disaster types Statistics show that 42 percent of Canadians are adversely impacted by flooding In addition 16 percent of all deaths resulting from disasters are from floods Over the past 30 years there have been 81 natural disasters within Canada s borders resulting in 228 deaths

    Original URL path: http://dgidirect.ca/home-tips/how-to-avoid-flood-damage/ (2016-05-01)
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  • How to Find Rental Car Deals
    to 25 on their rental car simply by printing out a coupon Find out which rewards or membership benefits you may be able to access by contacting your representative Bundle and save If your trip involves a stay at a hotel or a flight there may be an opportunity to benefit from a package deal Many hotels airlines and travel agencies partner up with rental car companies Before you book make sure you know your plans well enough to be able to purchase several items at once Use online tools If your sights for a deal also happen to be set on the perfect flight or hotel there s an app for that For the digital savvy traveller downloading a travel app can make planning more time and cost efficient If you re a Desjardins member download National Car Rental s mobile app and make the most of your membership perks This app let s you see specials and deals that can be booked right from the app and access other benefits such as customer service on the road Get the right insurance Another way to save on your rental car bill includes purchasing the right insurance As you re planning your trip assess your current car insurance policy and find out if it extends to a rental car In most cases this is an additional coverage that can be added When your car insurance policy covers a rental you can bypass the need to buy any additional coverage from the rental counter which will not only save you money but also time For those who travel often adding an option for rental cars can be incredibly useful Our Trouble Free option ensures you re fully covered in your rental car so you can enjoy your vacation worry free The

    Original URL path: http://dgidirect.ca/car-tips/find-rental-car-deals/ (2016-05-01)
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