Flood Insurance
Water damage happens. Make sure you're better protected with good flood coverage.
Do Not Add to your Anguish
You have never seen rain like that in your neighborhood. Trees—thick trees—toppled on top of houses; stinking, filthy floodwater outside up to your ankles; rancid sewer water inside turning your stuff into sodden, wretched, worthless junk.
Three things: It happened so fast. This area had never been flooded before, ever. And three, you have no flood insurance.
However, your first thought among thousands, is what to do with your children?
Enormous Loss
Do not let yourself ever be placed in this position. Starting with a home displacement for an indefinite period of time to the enormous replacement costs, you have too much to lose.
In fact, loss due to flooding can be very expensive. A rule of thumb is that each inch of flooding will cost the unprotected over $7,000. The last thing you need are worries on how to pay for the flood damage. You do not want to add the anguish you already feel.
Contact Colley Insurance and receive a thorough education on how flood insurance works. We will review what it covers (appliances and items inside the home) and what it does not (decks and items outside the home).
Colley Insurance Your Guelph Flood Insurance Expert
Guelph Flood insurance protection is meaningless after a flood. Plus, every flood insurance policy carries a 30 day waiting period before it can take effect. So act now!
At Colley Insurance we have insured the residents and businesses of Guelph from unpredictable flooding since 1934. It is one of the specialties of our agency. We will make sure we share all of our knowledge with you.
When you can minimize risk from flooding for such a small cost, you have to do it. You have to protect your family and your assets. Complete the Protection Savings Form today for a free quote. The flood insurance veterans at Colley Insurance will forever ease your fears of flooding.
The more your assets grow, the higher your liability risks are. No matter how well you’ve covered your bases, sometimes things go wrong. A car accident. A guest who slips and falls on your property. A lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security and put your personal assets at risk.
An excess policy responds when the underlying liability limits of your other policies, such as home and auto, aren’t enough to cover the unexpected costs of a lawsuit or accident.
It is important to note that most Canadian insurance policies carry on average $1,000,000 of liability coverage. This limit can quickly become quickly exhausted and is very frequently limited to North America. The Group Personal Excess policy provided by Chubb Insurance provides up to $5M of worldwide coverage which extends to all dependent member of your house hold and also provides coverage for foreign owned assets.*
* Territorial restrictions apply: Sudan, North Korea, Iran, Cuba, Syria
Personal Liability (Homeowners) for bodily injury and property damage in the minimum amount of $1,000,000 per each occurrence.
Registered and unregistered vehicles in the minimum amount of $1,000,000/$1,000,000 bodily injury and $1,000,000 property damage; or $1,000,000 single limit per each occurrence. Registered vehicles include motorcycles and motorhomes.
Uninsured and underinsured motorist protection in the minimum amounts of $1,000,000 per each occurrence. This requirement does not apply to the provinces of Quebec or Manitoba.
Watercraft less than 8 metres (26feet) and 50 engine rated horsepower or less for bodily injury and property damage in the minimum amount of $100,000 per each occurrence.
Watercraft 8 metres (26 feet) or longer or more than 50 engine rate horsepower for bodily injury and property damage in the minimum amount of $500,000 per each occurrence.
*The above liability limits must be in USD if the asset is located in the United States.
Each participant is covered for a $5 million limit of liability, and there is no annual aggregate on the policy.
Your Chubb Group personal Excess Liability coverage provides worldwide automobile rental coverage (subject to a few territorial restrictions), for up to 60 days. You can rent a car while on vacation and have coverage for personal injury and property damage without buying the additional insurance.
Yes. At the time of writing this (November 1, 2017) you would not be covered in Iran, North Korea, Syria, Cuba and Sudan. Please check with us for any changes to these territorial restrictions.
What do I do if there is an accident?
Please contact Colley Insurance at 1-888-824-0445 as soon as possible, so we can help you through the claim process.
Need any help!
Office: 519-824-4040
Toll-Free: 888-824-0445
Fax: 519-763-6839
customerservice@tgcolley.com
1 - 34 Harvard Road Guelph,
ON N1G 4V8
Funded and backed by
We would recommend Colley Insurance to any organization without hesitation