1. Housing Insurance AFN NATIONAL FIRST NATIONS INFASTRUCTURE CONFERENCE
& TRADESHOW
FEBRUARY 2014
Alliance of First Nation Insurance Brokers Inc.

2. 3) Factors that affect rates and premiums….What can I do?
OVERVIEW
1) Main types of housing insurance policies….What is the right policy and coverage that I need?
2) Insurance to value & building appraisals…Do I know how much insurance to buy?
3) Factors that affect rates and premiums….What can I do?
4) Selecting the right insurance carrier/broker…How can I be sure my broker/carrier is the right choice for me and my family or community?
The claims process…what I should know that can help me. Quickly recover from my loss
Questions
Alliance of First Nation Insurance Brokers Inc.

3. Types of Housing Insurance Policies
Community owned social housing units managed by band managers
Owner occupied housing units
Tenant or occupant policies
Alliance of First Nation Insurance Brokers Inc.

4. Insurance to value &
building appraisals
Replacement cost versus actual cash value
How to determine the proper insurance to place on a home.
What is a coinsurance clause and how it may affect my claim

5. Factors that affect my rates and premiums
Claims Experience (simple business premiums – (claims + expenses) + investments = profits)
Building construction + exposures
Public protection
Deductibles
What I can do to reduce my insurance costs or help to insure they do not increase
Alliance of First Nation Insurance Brokers Inc.

6. Selecting the right insurance carrier or broker for me or my community
Ask Questions
Get referrals from others
Call AFN insurance brokers
Alliance of First Nation Insurance Brokers Inc.

7. Who do I report a claim to ? What immediate assistance can I expect?
The Claims Process
Who do I report a claim to ?
What immediate assistance can I expect?
What “I” need to provide?
How quickly will my claim be settled?
Alliance of First Nation Insurance Brokers Inc.

8. AFN Insurance Brokers Inc
QUESTIONS
Thank You
Gil Saunders
President
AFN Insurance Brokers Inc
Alliance of First Nation Insurance Brokers Inc.