House Insurance
Protect Your Most Valuable Asset

Fill in the form and one of our brokers will contact you soon.
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

Single Limit Coverage

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?
Fill in the form and one of our brokers will contact you soon.
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
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
Related Blog Posts
Protecting Your Home from Extreme Summer Heat in Ontario
As residents in southern Ontario face scorching summer temperatures, safeguarding your home and keeping it cool are top priorities. Extreme heat can damage your property and drive-up cooling costs, but proactive steps can help. Here are ways to protect your home from...
Is Wildfire Smoke Damage covered by Your Home Insurance Policy?
Wildfire smoke has been blanketing southern Ontario, raising concerns about its impact on health and home. If you're wondering whether smoke damage is covered by your home insurance policy, you're not alone. Does Home Insurance Cover Wildfire Smoke Damage? In most...
Updated Fireworks Bylaws in Kitchener and Waterloo (2025)
The cities of Kitchener and Waterloo took a major step towards reducing the number of disruptions and complaints from fireworks – by banning their sales beginning in 2026. Previously the Staebler Blog wrote about Backyard Fire and Fireworks Bylaws in Waterloo Region....
How Much is Cottage Insurance in Ontario?
Whether you’re on the Bruce Peninsula, in Muskoka, around the Kawarthas, or elsewhere in beautiful Ontario, getting away to the cottage is a treasured time and a peaceful retreat from city life. However, protecting that investment with cottage insurance is essential,...
How Do Your Home’s Water Features Work?
Whether you’re a first-time homeowner or a seasoned pro around your property, it’s important to keep in mind how things work both in and around the house. With the spring "water season" beginning, we’ve put together a quick homeowner’s crash course on a few key...
How U.S. Tariffs could impact your Insurance Premiums and Policy Limits
The introduction of widespread tariffs on Canadian goods and the retaliatory tariffs on products from the United States could have an impact on home, auto, and business insurance premiums, and add stress to policyholders’ coverage limits. Reported by Insurance...
Staebler Insurance featured by the Canadian Press
Earlier this month, the Staebler Blog covered how natural disasters in Canada and abroad can affect home insurance rates. Shortly after, the Canadian Press wrote a story about natural disasters, sharing ways for homeowners to protect their homes from future events and...
How Natural Disasters affect Canadian Insurance Rates
It’s been a rough start to the year with natural disasters in North America and beyond, including most recently the devastating wildfires in Southern California. The images are heart wrenching and the impact on lives and property are far-reaching, and not just on...
Winterizing Your Home: Tips and Preventive Measures
Winter has settled in Ontario with long stretches of freezing temperatures. This season has brought harsh weather conditions with high winds, heavy snow, and freezing rain, all of which can pose significant risks to your home. To avoid any unwelcome issues during...