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From pags 18

They do this because they are
not looking at the current market
value of your home and property
when estimating — they are look-
ing at what the house and property
will be worth at the time the policy
expires because by then the value
of the property will have increased
and improvements will have been
made,

In addition, the lot must be
cleared and resurfaced in order for
rebuilding. The cost of debris
removal and clean-up, foundation
removal and digging can be expen-
sive and this must be taken into
account at the time the policy is
written.

The factors which determine
your home’s worth and replace-
ment value are covered under the
Insurance Bureau of Canada’s
Calculations. This list includes
such things as building quality,
square footage and whether or not
you have a fireplace, sun deck,
carport, garage, pool, etc.

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money on hoi

When looking for an insurance
company, shop as you would for
any other product or service. Ask
each company what their claims
procedures are.

Some people are happy with
their insurance company until they
try to make a claim against their
policy.

Now decide what type of policy
you need. There are two basic
types of policies — comprehensive
and standard. A standard policy is
a named perils policy, whereby
your policy clearly states exactly
what you are covered for, i.e. fire,
theft, smoke.

The comprehensive policy is the
best and it doesn’t cost much
more. It is a much broader policy
which covers you against all risks
of physical damage with a list of
exceptions — exceptions which you
have chosen.

The most important question
you can ask at this point is ‘What
are my options and what does each
one cost?’ There are many
variables to be considered, but

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ALEXANDER & MCLEAN
1387 MARINE DR. WEST VANCOUVER

922-4422

980-7417

WANTED YUKKIES

G) Put yukkies in their place!

don’t feel that any are too far out.

For example, many people
believe that Vancouver is due for
an earthquake. Think about
whether or not you want earth-
quake insurance.

Your jewelry and art may be in-
sured against theft, but are they
insured against damage done at a
party or by one of your children?
Do you own a potentially vicious
dog? Do you have a waterbed in
your home which could burst? Do
you have numerous trees.on your
property which are not particularly
steady? Do you want insurance
against the sewer back-up?

It is impossible to say what you

19 - Friday, October 28, 1988 - North Shore News

| LIFESTYLES

1@ insural

should expect to pay each year for
your home insurance. Some com-
panies may offer better rates for
homes where a lot of concrete or
brick has been used or will not in-
sure your condominium or home
unless the floors are solid concrete,
so you should check these things
with your builder and your broker.

There are many ways to save
money on insurance. For example,
you might be eligible for a dis-
count if you instruct your builder
to install a sprinkler system in your
home, a smoke detector, a 24-hour
monitored intrusion alarm and,
with some companies if you’re a
senior citizen.

ice

Proximity to a fire _ hall
could be worth a discount, as
could a letter of inspection from a
certified roofing inspector, or
proof of superior insulation,
fireproofing, dampproofing and
foundations and soil tests.

Another way to save money is
by voluntarily taking on a high
deductible — if you can afford it.
The normal deductible is $200 but
if you offer to accept, for example,
a $1,000 deductible, you could en-
joy a large reduction on your
premiusn because the insurance
company would know that you
were not going to make numerous
small claims against the policy.

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Our interior design event offers tremendous savings in
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completion of the entire design project because it is so

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Camille by Thomasville is the grandest of the furniture ~ " .-
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Buffet and Hutch, 72” Lx 81" Hx 19" D
Table - 2 Leaves, 108" x 38" x Jo" H
Chairs include: 2 Arm and 4 Side = 6

Upholstered in fine fabrics. Regular Price -

As Shown $16,995 - 9 Pc., Sate Price $9,350 - 9 Pe.

Beautifully upholstered furniture is
an important foca! puint of your
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all upholstered pieces have 8 Way- —.
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3 Seater Grade D Fabric

Reg. $2,499.95, Sate $1,999.00

2 Seater Grade D Fabric

Reg. $2,199.95, Sale $1,760.00
Curved Corner 48" x 48”

Reg. $2,199.95, Sale $1,760.00

The breadth of selection available in the entire Santa Fe
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An unusual variety of chests, mirrors and headboards
creates an abundance of design possibilities for beautiful
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OPEN MON-SAT. 9 to 5 p.m.

120" W x 19" D x 82" H

5 Pieces - Reg. $11,200, Sale $6,499
King Wall! Bed with Mirror

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5 Pieces - Reg. $11,999, Sate $6,899

SUNDAY NOON to 5

p.m.
4240 MANOR STREET
BURNABY, B.C.

(1/2 Block West of

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