House Insurance
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House Insurance
Coverages for Your Home
Building Coverage
Insures the physical structure against loss from fire, wind, hail, water damage, or natural disasters.
Contents' Coverage
Protects your personal belongings such as furniture, electronics, clothing, etc.
Additional Living Expenses
Coverage to help pay for temporary housing, food, and other living expenses if you are unable to live at home after a claim, while repairs are being completed.
Personal Liability Coverage
To help with legal fees, medical payments, and settlements if someone is injured on your property or if you or a family member causes damage to someone else’s property.
Outdoor Equipment & Other Structures
Insure your outbuildings such as sheds or detached garages and extend coverage to your backyard pool or hot tub.
Important Extras
These extra coverages may be added to your home insurance policy, where available
Guaranteed Replacement Cost
Guarantees your home to be rebuilt no matter the reconstruction cost. An important coverage, especially during periods where construction costs are increasing.
Single Limit Coverage
Covers all of your property (structures and contents) combined under one blanket limit. This provides the greatest flexibility when allocating a claim payout.
Protections from Water
Coverages for select water-related damages caused by sewer backups or overland water (i.e. flooding). Some water coverage may not be available depending on where you live.
Service Line Protection
Homeowners are responsible for the service lines under your property. This coverage is for the repair or replacement of utility lines from your property line to your home, up to the limit of coverage.
Valuables
High value items such as jewelry, furs, fine arts, and collectibles. Standard coverage limits may not be enough – talk to your broker about scheduling your high value items.
Special Limits
Similar to valuables, standard policy limits might not be enough for special items such as:
- Bicycles and e-bikes
- Musical Instruments
- Sports Equipment
- Business Equipment (including computer equipment)
- Home Electronics
Home Warranty
Some insurers offer additional peace of mind by assisting with repair or replacement of major home systems and components. These include central heating and cooling, electrical systems, water heaters, appliances, and more.
Umbrella Liability Coverage
Increases your limit of liability. It can extend an additional liability limit over your Personal Liability Coverage and any auto policies you may have.
Claims Foregiveness
Your first claim is treated as if it never happened. You will keep your claims-free discount as long as you stay with your current insurance company.
Changes to tell Your Broker
Lifestyle changes affect both your premium and how your policy responds, so be sure to keep your broker up-to-date with any changes! Some examples include but not limited to:
Change of Address
Marital Status
Home Office or Starting a Business
Updates to your home, including electrical, plumbing, renovations
Aquiring Valuables
Vacant Home or Property
Changing or Starting a New Job
Gig economy jobs including Ridesharing or Delivery of Anything
New Swimming Pool or Hot Tub
Renting or Leasing Part of Your Home
Running A Business From Home?
You’re going to need coverage.
If you are making income from home, you’ll need a special endorsement. Be sure to tell your broker so you are properly covered.
Can where you work save you money?
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House Insurance
Looking to Insure another type of Property?
Secure your most valuable asset with the right coverages at the right price
Condo Insurance
Insurance for Your Condominium
Condo insurance protects your personal property as well as suite upgrades and common areas, where required by condo boards
Renter's Insurance
Insurance for Your Apartment
If you’re a tenant, renter’s insurance protects your personal property and provides liability protection
Cottage and Other Property Insurance
Insurance for your other properties including Cottage Insurance, Seasonal Property Insurance, Trailer Insurance, Rental Property Insurance
Watercraft Insurance
Insurance for your watercrafts, including hull and liability
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