You want to insure that if [your home] is completely destroyed, you can replace it. That means looking at building costs, and these building costs go up and down.

Normally, $4,000 is the threshold at which you can drop collision and comprehensive.

But the sprinkler systems aren't cheap.

You might find these systems are so expensive that it doesn't equal the savings.

It's quite possible you have more than $30,000 of personal possessions.

The staff is always excited when we come in to talk hockey. Our health is the most important thing and being in a contact sport is very demanding. Having that support there, whether it be doctors or whoever, is usually important to our success and it's something we wouldn't be successful without.