Issue link: http://digital.canadawide.com/i/561260
VisitFergusFalls.com Fergus Falls, MN istock F A L L 2 0 1 5 | G O I N G P L A C E S 47 • trains for which reservations are recommended. ese trains have a limited number of open seats for those without a reservation. Martins also advises travelling at night: "is way, you'll have more time to sightsee during the day, as well as save on accommodations." I N S U R A N C E Q Why is my neighbour's premium different than mine when we have similar houses? A If you've just found out your neighbour is paying less than you for his home insurance, your first instinct might be to call your insurance com- pany and demand the same rate. But, even though it may not seem fair, it's important to know there are reasons why your premiums may be higher (or if you're on the other side of the fence, lower). Heather Edel, property and casualty insur- ance supervisor for CAA Manitoba Insurance, explains: "Insurance companies tailor policies to each individual and their home, and offer discounts for a variety of reasons. Your neigh- bour might have a monitored alarm system, which can lower premiums, while your home is not alarmed. If your neighbour has no mortgage, he could be receiving a discount." Other factors that can affect how much each homeowner pays include claims history, being a non-smoker, having a home-based business and recent renos to the home's wiring, plumbing, heating or roof. "ere are many determining factors that go into the premium for your home insurance. at's why it's important to not just automat- ically renew your home insurance policy out of habit. You want to talk to your broker about any upgrades to the home, your claims history and lifestyle changes to ensure your coverage is right for you," says Edel. GP For all your travel, insurance and automotive needs, contact your local CAA Manitoba service centre.