Shalini Insurance

That’s where your home insurance comes in. It can help cover:
🏥 Medical costs if someone gets hurt on your property
⚖️ Legal fees or settlements if you’re found liable
💸 Compensation for damages or recovery time

Here’s a pro tip: check your liability coverage limits. Many people in Ontario still have $1 million in coverage — but bumping it up to $2 million (or even $5 million) usually costs just a few extra dollars a month and gives you way more protection if something unexpected happens.

So this Halloween, keep things safe and stress-free:
🧹 Clear your walkways
💡 Keep paths well-lit

📄 Review your home insurance policy and make sure your coverage is up to date

A safe home + strong coverage = one sweet treat for you and your visitors! 🍬

Does Car Insurance Cover You in a Parking Lot?

Even though parking lots are private property, the rules of the road still apply. Your insurer will deal with a claim in a parking lot the same way as any other claim.

If you have Collision Coverage on your insurance policy, you will be covered in a parking lot accident. Without collision coverage, you’ll be on the hook to pay for any damages to your vehicle if you’re at fault. Whether you inadvertently hit a shopping cart or car next to you, or you get hit and the driver doesn’t remain at the scene or leave a note, your insurer will determine whether you were at fault or if it is treated as a hit-and-run accident.

Here are some tips to avoid a collision in a parking lot:

- Be alert and put away distractions

- Drive slowly and watch out for pedestrians

- Choose a parking space that’s further away from the entrance and other vehicles

- Park your vehicle facing outward so that you don’t have to reverse when leaving