Your Home Insurance
Get a Home Insurance Quote today!
Fill in the form and one of our brokers will contact you soon.
Home Insurance
Get a Free Quote for your Home, Condo, or Apartment »
Can where you work save you money? »
Home Insurance
Own a home? You should have a Homeowner’s Policy which also covers:
Outdoor Equipment
The building itself, including any outdoor swimming pools and attached equipment. This also includes outdoor trees, shrubs and plants.
Other Structures
Detached garages, sheds, or outbuildings.
Condo Insurance
Own a condo? You should have a Condominium Policy which also covers:
Upgrades
Any upgrades to your condo, things like counter tops or cabinets that you couldn’t take with you if you left.
Condo Corp
The condo corporation is responsible for insuring the building itself, but if their insurance is inadequate each condo unit owner can be asked to kick in. You have an allowance just in case.
Common Areas
The condo corporation could also ask you to pay a share of any repair costs for common areas which your insurance would cover.
Tenant Insurance
Renters: There is no coverage for the building itself because your landlord insures that.
Good
Common Names:
Bronze or Named Perils
—–
Important Differences:
Fire, Lightning & Explosion, Smoke damage, Theft, Windstorm, Impact by vehicle, Vandalism & Falling objects
—–
Special Limits apply to Jewelry, Sports Equipment, and Business Equipment
Lower limits
—–
Cost
Least Expensive
Better
Common Names:
Silver or Broad Form
—–
Important Differences:
In addition:
Damage from spills such as paint, bleach or pets, Lost luggage
—–
Special Limits apply to Jewelry, Sports Equipment, and Business Equipment
Mid level limits
—–
Cost
Mid Range Price
Best
Common Names:
Gold or Comprehensive
—–
Important Differences:
In addition:
Includes mysterious disapearance
—–
Special Limits apply to Jewelry, Sports Equipment, and Business Equipment
Highest limits
—–
Cost
Most expensive
Insurance does not cover
Wear and Tear, Damage caused deliberately, Illegally acquired property, Riots or War Risks
OVERLAND WATER AND SEWER BACK UP
Weather patterns are changing and we are more frequently experiencing severe storms. Water causes a terrible mess and costs a lot to clean up. Buying up your water damage coverage is highly recommended
VALUABLES
You can buy additional coverage for your precious jewelry or art
HOME WARRANTY
It covers the cost to repair or replace central heating and air conditioning systems, electrical systems, owned water heaters, and other appliances when they breakdown.
Related Blog Posts
Getting your Home Winter Ready: Part 1
Winter is here, and it's bringing high winds, ice, and sub-zero temperatures with it. Brrrr. It's the time of year to dig out your long johns, comfy blankets, extra mittens, and maybe consider hibernation. But while you get yourself ready for the cold, take a moment...
5 Tips for Winterizing Your Roof
2015's first quiz question! How often should you clean your roof’s gutters? Check back for the answer in our next post! When the air gets a chill and the flakes start falling for a few minutes each day, you know what it’s time to do. Grab the bin of sweaters and...
Lock It or Lose It This Christmas!
Did you know that a professional thief can steal your vehicle in only 30 seconds, and they don’t even need the key to do it? That shocking statistic is the basis for the award-winning "Lock It or Lose It” campaign run by the OPP and supported by the Insurance Bureau...
Halloween Safety Tips
This Halloween, neighbourhoods all across the country will be buzzing with excitement — the kids will be getting their costumes on, and adults will be prepping bowls of tasty treats for little visitors. It’s guaranteed to be a fun night! However, it’s also important...
Do You Have Adequate Coverage Limits?
Do You Have Adequate Coverage Limits? In our previous post, we asked this question: True or False: Insurance brokers are provincially regulated. Answer: Yes, they are! Insurance brokers are regulated by the Registered Insurance Brokers of Ontario (RIBO). All brokers...
Spring Landscaping
Spring Landscaping In our previous post, we asked this question: True or False: Written employment contracts can reduce employer liabilities. Answer: True! A written employment contract provides clarification for matters such as the length of the term of employment...
Protecting Your Home in Cold Weather
Protecting Your Home in Cold Weather In our previous post, we asked this question: How many active users does the social media giant Facebook currently have? Answer: According to online sources, in January 2014, Facebook had 1.23 billion monthly active users. That’s...
How to Keep Your Driveway Clear in Winter
How to Keep Your Driveway Clear in Winter In our previous post, we asked this question: True or False: Young drivers are most likely to be killed or injured during the winter and least likely to be killed or injured in the summer. Answer: False! The opposite is true....
Protect Your Credit
Protect Your Credit In our previous article, we asked this question: A recent BMO study revealed that what percentage of Canadians always buy medical insurance before traveling? Answer: 42% of Canadians remain confident that they could cover all their medical costs if...