1. Understanding Your Insurance HUB International Barton Insurance The Cottages on Osoyoos Lake

2. Why is Home & Seasonal insurance important?  For most people their home(s) is their biggest asset  Peace of Mind  Protecting your biggest asset  Protection for your personal belongings

3. Why is Home and Seasonal insurance important continued Why is Home and Seasonal insurance important continued  Additional living expenses  Liability exposures  Earthquake coverage  Sewer back-up/water damage  Personal belongings

4. Perils What type of losses are covered? Fire Forest Fires Break & Enter Smoke damage Explosion

5. OtherPerils Other Perils Windstorm or hail damage to your home Lightning Falling Objects

6. Water Damage Explosion Bathtub overflows Kitchen tap is accidently left running

7. Liability for Homeowners Did you realize that your home insurance can protect you even when you’re not at home? Accidents happen – your home insurance can be your security blanket

8. Premises Liability for Seasonal Owner Did you realize your policy covers accidental injury for 3rd parties? Accidents happen – your insurance can be your security blanket

9. More losses covered by Your Insurance: More losses covered by Your Insurance: Impact by Vehicles Riot Collapse, including weight of snow & ice Electricity – sudden & accidental damage caused by electricity

10. How are Insurance Premiums Calculated How are Insurance Premiums Calculated Where is the nearest fire hydrant? Is there a responding fire hall? Is there a Security system in the home?

11. Factors that could affect your Insurance premium Factors that could affect your Insurance premium The age of the home Age of owner Claims History Mortgage Free Where is the home located? (fire protection) Occupancy of home Home run business? How many families live in the home? Any rental suites Deductible Options

12. Any Questions?