Your Home Is Your Sanctuary
And You Work Hard To Keep It That Way
It is important to protect your investment.
Not only from theft and accidents but also from unimaginable events such as fire, floods or natural disasters. These extreme weather events cause about $1 billion in damage annually! Whether you are in need of tenants, condo, rented dwelling or cottage coverage our experienced brokers will be there to guide you through the many options available to you. The location, age, square footage, value and the contents of your home will determine how much coverage you will need.
A standard home policy provides coverage for the home itself and the things you keep in it. It will also cover your legal responsibility (liability) for any injuries or property damage caused to others, and living expenses if you have to live in temporary accommodation. Floaters may also be added to your property package to cover special items you may have, including jewellery, furs, fine art, or watercrafts. Making sure you have the right coverage for you and your family is a massive task and can be stressful. Our Registered Brokers will work diligently to design the perfect coverage for you for the best price. We will ensure you understand the options available to you and walk you through the limits, exclusions, the perils insured, and deductibles are on your policy.
How To Save More On Home Insurance
Bundle home & Auto
Get Professional Advice
Purchase Higher Deductible
Install Monitored Security System
Some of the basic types of property insurance we offer are:
- Homeowners
- Tenant
- Condo
- Cottage
- Rented Dwelling
- Boat Insurance (on its own or added to a property policy)
Request A Quote For Your Home
Home Insurance – Frequently Asked Questions
What does home insurance protect?
Coverage depends on the type of home you live in. If you own a house, your property insurance will cover the house itself and detached structures like a fence or storage shed.
Your insurance will also cover personal belongings such as jewellery, artwork, furniture, computers, carpets and more.
Property policies also include third-party liability coverage. This protects you against personal liability if somebody is injured while on your property or if you accidentally cause damage to a neighbour’s property.
When should I buy home insurance?
Your coverage should begin as soon as you become the legal owner or tenant, even if your home or condo unit is still being built.
Why do I need tenant insurance?
The owner of the property you’re renting almost certainly has insurance on the building itself. They may also have coverage for certain items inside your rental unit, such as the carpets, light fittings and appliances. So you may wonder why you need coverage too.
Here are two excellent reasons:
- Your landlord’s insurance will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.
- You also need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to a neighbours’ property.