When we visited our lawyer to finalise our mortgage when we bought our 94-year-old house, we were told that we needed to get insurance before we took possession. Since we had a membership with AMA, we decided to go to them for house insurance.

They told us that we would need to upgrade our electrical system within a month, or they would cancel our insurance. As a result, we spent over a thousand dollars in electrical upgrades.

We found out today that AMA has decided, after the electrical upgrades were made, that they will not be providing us with insurance. They claim that there is a problem with the foundation and that there is a flood risk (despite no evidence of flooding and our property being on an incline away from the house.

Normally, I would say don’t use AMA for home insurance, but someone suggested that could be considered libelous. So, I won’t go that far.

It’s a tiny little thing at 800 sq ft. The yard is about 3500 sq ft. The house has a living room, dining room, kitchen, bathroom and two bedrooms. It also has an unfinished basement, so the potential for other rooms also exists. The garage is too small for our Windstar, but that means I will finally have a workshop.

One of the exciting things is that there is a lot of potential for improvements to the property. As well, it looks like we will be saving roughly 200 dollars on housing and utility costs with this move. This move will also mean I won’t have to transfer buses to get to work anymore.

We are very excited about this new stage in our life together.