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                                                                                                       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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If you have a first time student leaving home to attend school in the Fall, planning for this important life stage should include discussions about finances and the responsible use of credit cards, academic goals, and how you will keep in touch throughout the year.

From an insurance perspective, if the student will be living in a dormitory or on campus, an extension from the parent’s home policy will likely provide coverage. However, if the student will be moving out permanently and will be renting, a separate tenant’s insurance policy is needed. Most landlord policies do not cover personal belongings or any accidental damage to their unit or the neighbouring unit.

Regarding auto insurance, if they are returning home, and do not own their own vehicle, they may be able to stay on their parent’s policy as a part time driver. If they have moved out permanently and are taking a vehicle, changes will need to be made to the parent’s policy. They will also need a new policy if they are moving out of the province, as auto policies vary provincially. Check with your insurance broker to review your particular circumstances and get the proper coverage in place.