As Diwali approaches, South Asian families across Canada are preparing for one of the most cherished celebrations of the year. From decorating homes with lights to reuniting with loved ones, the excitement of the season is everywhere. But alongside the joy comes a common concern — How do I ensure my home and valuables remain safe while I’m away or busy celebrating?
To answer this, Radio Y 105.9 FM spoke with Niro Kandasamy, AVP of Fraud and Special Investigations at TD Insurance, who shared important safety and insurance insights tailored specifically for the festive season.
Diwali: A Festival of Light, Love — and Responsibility
As a first-generation immigrant, Niro recalls how his family made Diwali a meaningful tradition — one of gratitude, community and reconnection. Today, he celebrates twice — once with his family, and again with his diverse team at TD Insurance through festive potlucks and cultural gatherings.
But with many South Asian families travelling abroad or spending extended time outside their homes, Niro stresses the importance of proactive safety planning.
Before You Travel: Secure Your Home the Smart Way
Niro recommends a few essential steps:
• Review Your Home Insurance Policy
Understand your current coverage and clarify any doubts with a licensed advisor. Ensure your valuables — such as gold, electronics, or luxury items — are adequately insured.
• Don’t Publicly Announce Your Travel Plans
Avoid posting vacation plans online to reduce exposure to risk.
• Create the Appearance of Occupancy
Use light timers, ensure mail is collected regularly, and ask a neighbour or relative to check in periodically.
• Prepare for Seasonal Risks
In colder months, ensure heating systems and pipes are maintained to avoid frozen pipe disasters while you’re away.
Protecting Gold and Valuables During Festive Purchases
With traditions like Dhanteras, many families purchase gold or jewellery during Diwali. To safeguard these valuable assets at home:
• Document Everything — Take photos or videos of all high-value items.
• Use Secure Storage — Invest in a heavy, well-hidden safe or consider a safety deposit box.
• Limit Access and Visibility — Keep valuable storage discreet and away from windows or common areas.
• Inform Your Insurance Provider — Confirm that your policy covers these valuables.
Renting Out Your Home While Travelling? Don’t Skip This Step.
Short-term rentals have become popular for homeowners looking to offset travel expenses. However, most standard home insurance policies do not automatically cover damages or injuries caused by guests.
“Before renting your home, speak to your insurance provider to confirm if your current policy covers rental scenarios — and add extra protection if needed,” advises Niro.
First-Time Homeowner? TD Insurance Makes It Simple
For new homebuyers uncertain about which policy suits them best, TD offers customizable home insurance options that can be adjusted based on lifestyle and asset protection needs. Whether online, through the TD Insurance app, or over the phone — their licensed advisors are available to help.
Celebrate Diwali with Peace of Mind
Diwali is a time for joy, not worry. With a few precautionary steps and the right insurance coverage in place, families can fully enjoy the festivities — whether at home or abroad.
“The true spirit of Diwali is happiness and togetherness,” Niro concludes. “Knowing that your home is protected allows you to celebrate with a calm mind and full heart.”
From TD Insurance and Y Media, we wish you a Happy and Safe Diwali!
