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OUR HOPE IS TO MAKE BUYING INSURANCE SIMPLE AND CONVENIENT.
At Mello Insurance, we want you to have the best insurance coverage at the best price available, and delivered in the most convenient way. We have 3 simple packages for you to choose from: “Practical, Popular and Premium.” When buying tenant or condo insurance, the best place to start understanding which package to choose from, is your belongings. When you look at all of your belongings and you add up what it would cost if you were to buy them all brand new today, that should be the amount of insurance you would want to purchase for your belongings. This is what us insurance people call “Replacement Cost Coverage.” Once you select your package you can easily increase that belongings amount if it does not reflect a high enough value. Mello Insurance also has simple options for adding high value bikes, jewelry, fine arts, etc. Home/Tenant/Renter insurance is not mandatory, however, there are many landlords or mortgage companies that will require you to have it on the day you move into your new place. It is still in your best interest to have insurance even if your landlord does not require you to have insurance or your mortgage is paid off.
When purchasing your home insurance, our platform uses collected data of your location to calculate the replacement cost value of your home. With that information, we can quote your home insurance to include “Guaranteed Replacement Cost” coverage. This coverage gives you peace of mind, knowing your home is fully covered, even if the cost to rebuild your home six months into the policy term, is higher than what you are currently insured for.
INSURANCE RISKS FOR HOMEOWNERS & RENTERS IN RURAL MANITOBA
- Natural disasters: Manitoba is prone to natural disasters, including severe weather, such as tornadoes, hailstorms, and blizzards. These events can cause significant damage to homes, including roof damage, flooding, and property damage.
- Wildfires: With large areas of forests and grasslands, rural Manitoba is also at risk of wildfires, particularly during the dry season. Wildfires can spread quickly and can cause extensive damage to homes and property.
- Distance from emergency services: Rural homeowners may be farther from emergency services such as fire departments, which could result in higher damages in the event of an emergency.
- Agricultural activities: Many homeowners in rural Manitoba are engaged in agricultural activities, which come with their own set of risks. Farming and livestock activities can result in property damage, personal injury, or even animal-related injuries.
- Liability: Homeowners in rural areas may also face increased liability risks due to visitors, employees or farm operations. Liability coverage can protect homeowners from costly lawsuits.
It is essential for homeowners in rural Manitoba to be aware of these risks and have the right insurance coverage to protect their homes and property. It is recommended that homeowners work with a knowledgeable insurance agent to assess their risks and choose the right coverage options to protect their financial security. By having proper insurance coverage, homeowners can have peace of mind and be protected in the event of unexpected circumstances.
WHY CHOOSE MANITOBA TO LIVE IN?
Manitoba, if you can believe it, is even flatter than Saskatchewan. That being said, similar to Saskatchewan, the skies are filled with beautiful sunrises, sunsets and northern lights.
Only one hour from Winnipeg, you can go visit the Grand Beach Provincial Park which encompasses a huge soft sand beach on the shore of Lake Winnipeg. One of the nicest beaches in Canada, it is a hot spot for sun seekers and campers looking to get away from the city during the hot summer months.
If you are looking for activities to do in Manitoba, some of the biggest tourist attractions in Manitoba include: The Forks Market and the Johnston Terminal Building. They are restored buildings offering a lovely market area and intriguing shops, restaurants and food stalls. Check out one the patios that overlook the riverwalk that runs along the river. You should also check out the newest major attraction: The Canadian Museum of Human Rights. Located in Winnipeg, this unique structure contains permanent exhibits offering a look at the subject of human rights as it pertains to Canada and around the world.
There are so many beautiful sites to see in Manitoba. Riding Mountain National Park, Clear Lake, Fort Garry and the list goes on.
The Manitoba economy is largely based on natural resources. Similarly to their prairie neighbours, agriculture is prominent in the south and western parts of the province. Other major industries in Manitoba are transportation, manufacturing, mining, forestry and energy. In Winnipeg specifically, it has one of the country’s most diversified economies. Trade, Manufacturing, Education, Health Care and Social Assistance to name a few.