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Homeowners Insurance (Ontario, Canada)

The purchase of your home is your biggest investment. To protect your investment, you should consider mortgage insurance, life insurance, or critical illness.

There are different types of coverage available: comprehensive form which is all risk coverage; broad form which covers named perils. The comprehensive form is the better policy giving you more coverage. Your policy can be customized to suit your needs such as including a jewellery rider, increasing your deductible to lower the premium.

Within the policy limits, property insurance will typically protect your home and/or contents against covered damage and loss to: personal belongings, outbuildings such as shed or garage, greenery and landscaping, clean up after a loss.

When it comes to sewer back-up situations, most property owners think of the black sludge that covers a basement after a sump pump is outrun by a severe rainstorm. However, even if your home is nowhere near ground level, sewer back-up insurance can cover your costs if escaping water damages your property. Talk to us, we’ll explain what your policy covers and help provide protection that’s right for you.

Property insurance can also include coverage for personal liability if someone is injured on your property or in your home, and if damage is caused to someone else’s property.

Property insurance rates are calculated by: where you live, how much coverage you have, type of coverage, proximity to fire hydrant of fire station, amount of your deductible and security features.

We also insure seasonal, trailers, motor boats, yachts and sail boats regardless of their values. Call us for more information.

Save money by putting your home and auto together!