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Tip of the Month

                                                                                                       Barbecue Season Is In Full Swing: Don’t Go Up In Flames

The joys of outdoor cooking also bring fire and associated risks. Here are some safety reminders for gas and propane barbecues to protect you and your property from harm or damage.
•    Never operate a barbecue in an enclosed space, close to a structure, or near combustibles. Have a one metre radius around it free of obstructions. 
•    Keep your barbecue in tip top shape. Check for hose breakage, valve leaks, and other parts before securing the tank well and turning on the gas. 
•    When in use, never leave the grill unattended, and when finished turn the tank off before the burners so the remaining gas in the lines can burn off. This can help prevent a flash the next time the BBQ is in use.
•    Make sure your fire extinguisher is easily accessible and in good working order. 
Additional Tips
•    Propane companies use an additive to create an unpleasant odour like rotten eggs to make a propane leak easier to detect, so you can shut off supply immediately, stop using the grill, and clear the area.
•    Although the risk of carbon monoxide is low when using a BBQ outdoors, it is not entirely eliminated. Learn to recognize the signs of CO2 poisoning and take appropriate action.
•    Store propane tanks in an upright position, in a spot where they are unlikely to be knocked or bumped to prevent any safety risk.

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More on Protecting Your Home Away From Home

                                                                             More on Protecting Your Home Away from Home


How your vacation property is used and how often it is occupied will dictate which insurance package is appropriate for you.

If you qualify for a comprehensive policy, both the building and its contents are covered for “all risks” subject to the policy exclusions. By contrast, the named perils policy only provides coverage for the specific perils stated in the wording. Typical perils include fire, explosion and smoke damage. Contents coverage may be included up to a certain limit, or can be purchased separately. This covers items kept permanently at the vacation home. Anything taken back and forth – e.g., clothing- is covered by your primary home insurance policy.

Some packages include a limited amount of coverage for any outbuildings, including boathouses, garages and sheds, but you may choose to buy additional coverage . Finally, liability coverage is needed to protect you in case someone gets hurt on your property or you cause damage to neighbouring properties. Call your insurance representative to review your own situation.