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
Be Aware of Ontario-based Door-to-Door Scams
Opening the door to an unknown person can be unnerving. It becomes even more uncomfortable when the stranger on the other side begins the interaction with high pressure sales tactics like time-limited offers. Often these face-to-face interactions are for a service or...
Protect Your Property: Flooding
This article is Part One of our New Blog Series on protecting your property from natural threats. Be sure to check back to the Staebler Blog for future articles to help protect your home. The summer season is no stranger to flash thunderstorms and heavy rain showers....
How to Save on Your Home Insurance
Everyday costs continue to rise in Waterloo Region and Ontario, making consumers eager to find savings in their household budget. As a local, independent insurance broker, we’re always looking out for more ways to assist our clients and today we’re sharing the top...
Reminder to Readd Road Coverages on your Seasonal Vehicles
Spring is here! For many of us, that means it's time to dust off our seasonal vehicles and to get our trailers, boats, and other recreational equipment out of storage and ready for use. But before you hit the road or the water, it's important to make sure your...
What Changes Do I Need to Tell My Insurance Broker?
Your insurance coverage is unique to you and policies are tailored to each person or item (i.e. your policy will be different than your neighbour’s, even if you drive the same car). READ Part 2: Commercial Insurance Changes to Tell My Insurance Broker - Staebler...
Five Insurance Related Resolutions for the New Year
Here are five smart insurance related resolutions to begin 2023.
What You Need Before Your Winter Travel Vacation
Whether for a week in the sun or a winter living away, most budgets aren’t prepared for unexpected medical costs. Travel insurance is available to help cover medical emergencies, trip cancellations, early or late return home due to unexpected interruptions, lost baggage, your rental car, and more.
Security for Your Home & Business this Holiday Season
With the holiday season upon us, our focus shifts to decorating, shopping, festivities, baking, and possibly travel. To help keep the holidays cheerful and safe, we bring you some essential tips and recommend some easy-to-follow steps to protect your homes and...
Roofing Considerations to Keep Your Property Safe
The roof over our heads is one of the most important pieces of construction, but we don’t really think of its importance before something critical happens. Pre-planning and preventative measures to take care of your roof can be the difference between your property...