HOME & GARDEN
What have you got to lose?

“) DIDN'T think it would happen
to me! This is a common stite-
ment we hear from victims of
house fires. The District of North
Vancouver Fire Department wants
you to be protected against finan-
cial loss when a personal disaster
strikes your home.

It can take years, sometimes a
lifetime, and a great deal of hard
work for many to acquire a home
and personal possessions.

Insurance protects you against
financial disaster when confronted
with an unfortunate situation such
as a house fire, and it can happen
to any one of us — any time.

Only recently a North Van-
couver home sustained damage
estimated at $190,000 and this
family had no insurance. Can you
afford to gamble with your fami-
ly’s future?

The following questions and.

answers may be helpful informa-
tion when considering the pur-
chase of property insurance:
Question: t.ow do I know what
kind of insurance to buy?
Answer: You should insure any

ENCLOSURES
SOLARIUMS

HOT TIPS

North Vancouver
District Fire Department

valuable property that) can be
damaged, lost or stolen. You need
also to protect yourself against the
costs of property damage or inju-
ry you may accidentally cause to
someone else.
Question:
cost?
Answer: Each insured person's
Premium is part of a pool from
which policy holder's claims are
paid by the insuring company.
Income from = other sources,
such as investments, also go into
the pool. Your insurance company
estimates the number of claims
there will be in a coming year,
and what the total cost of the
claims will be — including allow-
ance for inflation and operating
expenses.
These estimates enable the
company to decide how much
money will be needed to satisfy

How much will it

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the chims and the amount. of
premium each policy holder must
contribute for his protection.

Abo, your own fikelihood, or
risk, Of having a claim is taken in-
to account when quoting a
premium.

Each insurance company uses
its own estinnites to set the rates it
will charge. Prices differ, so you
should make enquiries to find the
best combination of coverage,
price and service for your needs.

Be a wise consumer and ask
questions, shop around for the
best price and policy, and find an
insurance agent who will provide
you with the lime to answer those
questions.

Don’t gamble with your fami-
ly’s future — purchase insurance
for your home and personal
belongings — because fires do oc-
cur.

For further information on how
to prevent fires, contact the
District of North Vancouver Fire
Department non-emergency
number 980-7575, or your local
fire department.

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1 STQRE HOURS

son & TUE
Tet HH

Friday, February 15, 1991 -

North Shore News - 47

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