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Getting your property ready for spring

In Atlantic Canada, spring is a welcome change, especially this year, as March came in like a lion. The snow will soon start to melt, the temperature will rise, and the flowers will start to bloom. For many people, spring is an opportunity to renovate or make upgrades to your property.

Here are six tips to help you get your property ready for spring.

  1. Make a list of tasks for both inside and outside of the property. Spring is a great time to make some upgrades to your property, but it can be daunting. Make a list of all the things you would like to do over the next few months, making your chores much more manageable and taking the stress away.
  2. Trim your trees and shrubs, remove any dead branches. Winter is known to cause havoc with wind and snow, and the harsh conditions can damage tree and plant life. When these large objects are damaged, they can crack off or fall over, causing damage to your property.
  3. Check and repair any damage to your roof. Once the snow and ice have melted, we recommend that you safely check your roof for any damage. Damage to your roof could consist of missing shingles, loose shingles, shingles that may have been damaged, etc.
  4. Check your gutters and downspouts, remove any debris. Check your foundation vents and ensure nothing is blocking them.
  5. Test your smoke alarms and replace the batteries. First alert recommends that you test your alarms at least once a month to ensure they are working properly. If a nine-volt battery powers your smoke alarms, the battery should be replaced every 6 months, while the alarm itself should be replaced every 10 years.
  6. Prepare your snowblower for storage. Your storage guidelines will change depending on your storage location, but some general tips are to drain the fuel, add a fuel stabilizer, and place a cover over your machine. If you have any specific questions regarding snowblower storage, we recommend you reach out to the manufacture.

If you have any questions about your home or auto insurance, please contact Munn Insurance toll-free at 1-855-726-8627 today.

How Do You Use Your Vehicle? Commercial or Personal?

Some people use their personal vehicle when performing certain day to day activities of their job. It happens a lot. The question is, are you covered?

Say for example you’re a salesperson driving a lot for business visiting clients, a construction worker driving from job to job, or a baker delivering a wedding cake. In each of these examples, your vehicle is a vital part of your job. Technically, you are using your personal vehicle for commercial use. The question is, if you get into an accident, will you be covered?

While your personal auto insurance will protect you while you are driving to and from work; that may not be the case if you are using the vehicle for business purposes like the examples above. No one wants to add another bill to their monthly expenses. But, no one wants to be left without coverage when they need it the most.

So, back to the question, are you covered? The simple answer is, there is no one answer fits all. So, let us review some scenarios;

  1. Is your vehicle title in your business name?
  2. Does your employee drive your vehicle as part of their employment?
  3. Do you drive your vehicle as part of your job?
  4. Is your vehicle outfitted with equipment, snowplows, machinery, or tools?
  5. Do you transport/deliver goods, materials or merchandise as part of your job?
  6. Do you/your employees conduct company business while driving their personal vehicle?
  7. Do you transport people in exchange for money?

If you answered yes to any of the questions above, we suggest that you phone one of our friendly staff members to review the details of your policy with you. Your personal auto policy may not cover you in these situations. You are at risk of a significant financial loss if you are in an accident with no coverage.

Bonus: Commercial auto insurance is often tax-deductible!

If you would like more information on commercial vehicle insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance toll free at 1-855-726-8627 today.