From the category archives: Fairway Insurance Services

Home insurance

Halloween Safety

Written by on 10/30/2018 7:03 AM in , , , , , . It has 0 Comments.

Halloween is a fun and exciting time for most, but can be scary! It is important to keep safe and avoid getting hurt. So here are some Halloween Safety Tips for children and young adults: -head out early and avoid staying out too late -wear reflective tape or light up/flashing items -take a flash light to ensure you can see where you are walking -make sure your costume doesn’t drag so it wont trip -make sure you can see and hear out of your mask properly (or try face paint!) -make sure to dress warm under your costume -look both ways before crossing the street -make sure vehicles are stopped and can see you before crossing the street -consider going to a Trunk or Treat event to avoid walking on the roads in the dark -always go with a parent or with a trusted adult -don’t go inside a home of someone you don’t know -try to only go to doors of people you know -be kind and polite -never eat a candy or treat that appears to be tampered with or opened -have an adult check your loot ...


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Trampolines and Safety!!

Written by on 6/25/2018 4:48 AM in , , , , , , , . It has 0 Comments.

Trampolines are becoming more popular every year.  With varying types from small, for personal exercise, to the large outdoor variety, there’s never been a better time to talk about trampoline safety. Every year there are approximately 100,000 trampoline related injuries, the majority of which happen to children. Trampolines are not recommended for at home use, however if you must have one there are guidelines to follow. Here are some trampoline safety tips: Be sure to talk to your insurance broker before installing a trampoline. Ensure there is adequate supervision when the trampoline is in use. Only one person at a time should be using the trampoline. Make sure the trampoline is on level ground and that there is a 2-meter clearance around the sides. Using a trampoline safety net can help prevent injuries from falls Never attempt somersaults on the trampoline. Make sure supporting bars and landing surfaces have sufficient padding. Inspect the tramp ...


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Top Ten Safety Tips for Summer

Written by on 6/4/2018 5:33 AM in , , , , , , , . It has 0 Comments.

The weather is warm and outdoors is the place you want to be. It’s time for barbeques, playing in the pool, and many good things to do and eat. However, this is also a time when you need to be aware of safety and here are 10 safety tips to keep you and your family safe and sound this summer. 1. Grilling tip - make sure to clean the grill regularly and do not let grease build up. This will help to reduce the risk of fire. Also, do not let things accumulate around the grill. 2. Playground equipment – perform a safety check on play equipment. Examine the legs of the swing structure to make sure they are sturdy and not weakened by rust. Make sure swing chains are in good condition and inspect the seats too. Check out all the outdoor play equipment closely and look for rough spots that could cut people. If you find bad spots, sand them down and paint them with a good rust inhibiting paint. 3. Deck check – before you apply a new coat of deck sealer, check all railings and boards on the floor. ...


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What's your Deductible??

Written by on 2/27/2018 5:19 AM in , , , , , , , , . It has 0 Comments.

Deductible options are used in  both auto and home insurance. Many insurance companies have set deductible options. When choosing your collision and comprehensive deductible your insurance broker should advise what options are available. For example: $1000, $500, $250 and $100. The higher the deductible the lower the premium. Depending on the overall rating, increasing or decreasing the deductible may not change the premium by a large spread. In other cases it can alter the premium enough to make a difference. The same applies to home insurance. Due to rising claims, some companies have set minimum deductibles for collision, comprehensive and home insurance. Picking your deductible should be based not only on how it effects the cost of your policy but also what you can afford if you were to have a claim. If you want  a $1000 collison deductible in order to bring down your annual premium, you need to be able to pay $1000 out of pocket if you were to have an at fault collision claim. Check w ...


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Contents and Tenants Insurance...Why it's something you need!!

Written by on 2/21/2018 5:45 AM in , , , , , , . It has 0 Comments.

On a regular basis people are obtaining coverage for their vehicles. People are required to put collision and comprehensive if they have a loan for their vehicle, others choose to protect their investment even when not required. Meanwhile so many people are refusing to protect their belongings. Contents, also known as tenants insurance can help! Regularly we hear, "I don't need contents insurance, I'm not worried about something happening." The unfortunate fact is - losses happen all the time. Fire, smoke damage, thefts are a few of the common claims that happen to renters. You cannot always control claims from happening especially when you live in a rented home or apartment. We also hear, "I don't need contents insurance I don't have many belongings." A lot of renters do not understand the worth of their contents. The truth is most people only think about the big things - television, couch, chair & computer. There are so many items to consider. A broker should remind you of the things you don't thi ...


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Is Your Wood Burning Unit Installed Correctly?

Written by on 1/29/2018 9:09 AM in , , , , , , , . It has 0 Comments.

Does your insurance company require you to have your wood device installed or inspected by a WETT professional? WETT, which stands for Wood Energy Technology Transfer, is a non-profit training and education association managed by a volunteer Board of Directors elected by holders of valid WETT certificates. In order to become WETT certified, one must take various courses and training sessions and pass with the required grade. A WETT certified professional can verify that your unit is installed to the required specifications, minimize danger, advise and correct any changes that may be required and fulfill insurance company requirements. Would you like to ensure that your wood device is installed properly? Even if your insurance does not require a WETT inspection, you should have it completed for your own safety! They will inspect wood burning devices to ensure they are installed correctly and they are functioning properly. Incorrect installations and broken/worn out parts can cause house fires and carbon mo ...


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The Myth of "Full Coverage"

Written by on 1/22/2018 6:33 AM in , , , , , . It has 0 Comments.

Many times insurance brokers hear the term full coverage throughout the day. Many of those conversations are with clients requesting 'full coverage' because they have purchased a newer vehicle or just purchased a home. If you've ever been corrected it is because 'full coverage' is not a proper term. There is no such thing as full coverage. Why? Full Coverage would be implying that everything possible would be covered. There are limits to definitions of coverage and exclusions that prevent everything from being covered. In auto insurance for example, collision and comprehensive are the two of the coverages you require when financing a vehicle. You get to choose deductible options for each (without going over $1000). There are also several optional endorsements that can be added which provide additional coverage such as a rental vehicle, road side assistance and an accident waiver. Comprehensive covers theft of a vehicle but not theft of the items in the vehicle. Therefore it would not be proper to state you ...


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The Importance of Choosing A Local, Family Oriented Business for Your Insurance Needs

Written by on 11/9/2017 5:14 AM in , , , , . It has 0 Comments.

Fairway Insurances Services Inc. is a family operated business. With over 40 years of experience we have grown and expanded to fit the needs of our clients. We have insurance brokers all over Atlantic Canada, and in British Columbia to help find the right kind protection for you and your needs from the best insurance companies offered in Canada. Insurance is not simply a piece of paper or a contract. Insurance is being able to have peace of mind knowing that you, your family, and your assets are protected. When you buy insurance, it is not just another pill to pay every month. By buying insurance, you have just purchased the peace of mind that when a bad situation occurs you will be protected. The assets that are important to you can range from thousands of dollars to millions of dollars, so shouldn’t you be insured by a brokerage that cares about you, understands the importance of these assets, and wants to make the process easier? At Fairway Insurance, we care not only about our client’s fina ...


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End of Summer Cleaning

Written by on 10/11/2017 5:53 AM in , , , , , . It has 0 Comments.

For a lot of Canadians fall is a time to celebrate. Hockey is back, leaves are changing, and pumpkin flavored treats are everywhere. But as summer starts winding down, our homes might need a re-freshening.  Take the next few weeks to make sure your home is ready for the new season just as much as you are.  Making the extra effort now can make a huge difference when next summer rolls around. Clean the grill. As summer ends, so does grilling season. Give the whole grill a good scrub before packing it up for the season, instead of letting all of this summer’s gunk sit on it for months.  It will cause a lot less hassle when you bring it out next year and want to start some outdoor barbequing. Prepare summer items for storage. Outdoor furniture, lawn chairs and pool toys usually aren’t used year-round. Clean your summer items thoroughly and pack them away for next year. Donate any items that you know you won’t be using again, and throw out anything that is broken or unusable. G ...


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Summer Parties, Alcohol, and Your Responsibility as a Host

Written by on 8/8/2017 5:54 AM in , , , , , , , . It has 0 Comments.

Summer is a great chance to have a get together, be it sitting around the pool during the day or even around a fire at night. It’s a great time for weddings, reunions, and all things in between.   If you’re an adult these events will sometimes have alcohol involved, and if you’re the host, then you are responsible for your guests. What exactly does this mean?  It means that if you are the host and your guests are drinking, it is your responsibility to ensure they do not drive or drink too much.  Here are a few suggestions on how to ensure your event goes off without any issues. 1)      Have anyone that has driven to the event location leave their keys with an attendant if they are having a drink or two. 2)      Arrange to have a couple designated drivers / or taxi’s to bring people home when they need 3)      Have snacks around so that people are not drinking on an empty stomach.  ...


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