25 | O akville B eaver | T hursday,N ovem ber 29,2018 insidehalton.com Christmas Songbook on the way! S O N G S O F 2 O 1 8 2018 Christmas Songbooks will be available after December 1st. Limited copies available, hurry to reserve your copy, just email: klondon@metroland.com Please include "Songbook" in the subject line Print coupons instantly or receive by mail - free! Redeem coupons at any major retailer in Canada. flyers. coupons. shopping lists. Shop Smart Get coupons for products you use and love Learn more at Save.ca/mobile Advertorial We all know we need home insurance, but it can be hard to understand what ex-but it can be hard to understand what ex-but it can be hard to understand what ex actly is included in the price you're paying. Here's what you need to know. Protecting your most valuable asset. For starters, insurance will protect the dwelling (if owned), such as a house. Home insur-(if owned), such as a house. Home insur-(if owned), such as a house. Home insur ance also provides you with liability insur-ance also provides you with liability insur-ance also provides you with liability insur ance, which ensures you are covered in the event someone is injured at your home. But for condos, the condo corporation insures the building and your policy will work with theirs to make sure your contents are cov-theirs to make sure your contents are cov-theirs to make sure your contents are cov ered. Flooding Your home insurance policy most likely will protect you against sudden accidental flooding or water in your home, like from a burst pipe. However, a standard home in- surance policy doesn't usually cover you against "overland flooding," which is water that enters the home from dry land through the doors and windows due to rivers or banks of snow overflowing or sewer back up. Speak with your insurance provider to make sure you have the coverage you need, as they can add coverage if desired. The "Act of God" policy Basically, there is no such thing as an "Act of God" policy -- at least not in the in- surance world. Most home insurance poli- cies already cover wildfires, hailstorm dam- ages, lightning, etc. You can always inquire about whether or not the type of policy you are interested in covers more, such as earthquakes or landslides. What's not covered There are a number of scenarios or claims your insurance won't cover. These usually include personal liability due to a home business, general wear and tear, damage caused by pests (rodents, insects, termites), damage caused by landslides and damage caused by destruction due to intentional or criminal acts. Do your research beforehand and look around at a few different options. Insur-around at a few different options. Insur-around at a few different options. Insur ance providers such as Belairdirect will work with you to make sure you have the appropriate protection. Find more informa- tion at belairdirect.com. (NC) What's included in home insurance coverage Scrubbing your house from top to bottom may be at the top of the list, however it is important to include caring for your furnace as part of your chores. Cleaning your HVAC system as it adapts to seasonal change is crucial, and entails everything from cleaning filters to administering re- pairs both outside and indoors. Here are helpful tips provided by experts at Napoleon for shutting down your furnace and cranking up the A/C for the new season: · Lower the thermostat in your home to a minimum temperature and allow it to complete its current heating cycle. Once this cycle ends, turn off the power switch on the furnace to per-off the power switch on the furnace to per-off the power switch on the furnace to per mit proper shutdown. For a gas furnace, turn the furnace valve clockwise to com- plete this process. · Clean filters in your furnace to allow open airflow through the ventilation sys- tem. Avoiding this step could lead to per-tem. Avoiding this step could lead to per-tem. Avoiding this step could lead to per formance problems when your furnace is re-activated for the winter. · Ensure air conditioning units are in proper condition ahead of time. Check the condenser unit outside of your home for damage or debris, and clean coils so heat is properly transferred outdoors. · Check to see if condenser fins on your unit are straight and free of bends. Condenser fins on your unit can become warped due to forceful weather, natural de- bris or careless maintenance. · Change the filter on your air condition- ing system and vents throughout your home. Doing so will help remove unwant-home. Doing so will help remove unwant-home. Doing so will help remove unwant ed debris and increase the lifecycle of your unit. For more information, visit www. napoleonproducts.com Tips for turning off your heating system for the new season