Westworld Alberta

1.800.661.1933 ∙ reservations@jasperinn.com Package includes 2 nights in a two-bedroom chalet with kitchen/fireplace PLUS a scenic boat cruise on world-famous Maligne Lake to Spirit Island for 2 adults & 2 children. *Package can be modified. Call 1.866.625.4463 to book your Maligne Rafting Adventure! Snooze & Cruise Family Package $ 699 Jasper National Park 44 W E S T W O R L D A L B E R T A | S U M M E R 2 0 1 5 10 Factors that Affect Your Home Insurance Rate Did you ever wonder why you pay more for home insurance than your neighbour? Or your uncle up north? Insurers consider a huge number of factors when determining your rate – some regional, some historical, some per- sonal. Knowing what they are may help you save some dough. 1 Neighbourhood. Insurers keep statistics on claims across the province, and every theft, fire and storm is recorded and calcu- lated into rates. So if you live in a neighbour- hood that's prone to break-ins or sewer backups, your rate will reflect that. 2 Heating system. Oil and wood-burning heat come with an increased risk of fire, so you may pay more for insurance if your home has one of these systems, as opposed to forced-air, gas or electric heat. 3 Plumbing. Modern copper or plastic pipes are generally more desirable, from an insurance perspective, than galvanized or lead pipes, because the latter are more sus- ceptible to leaks and cracks. INSURANCE LINGO peril An event, such as a fire, theft or vandalism, that results in a loss or damage. all-risk coverage Coverage that applies to all perils, unless there are exclusions or limitations in your policy. Conversely, "named peril coverage," applies only to perils specifically named in your policy. liability coverage Protects you financially if you're found legally responsible for unintentional injuries to other people or damage to their property – for example, if a delivery person slipped on your sidewalk and was injured. replacement cost e cost to replace your possessions in the event of an insured incident, such as a fire or theft. A good policy will cover the replacement price of your belongings, as opposed to the cash value, or depreciated value.

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