Your Home Insurance
Get a Home Insurance Quote today!
Get A Quote
Fill in the form below 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
Silver or Broad Form
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
10 Tips to Protect Against Fire: IBC
With the weather getting colder outside alot of us have now turned on our furnaces and are using our woodstoves and fireplaces. Each year fire claims many lives and causes thousands of dollars in damage. The Insurance Bureau of Canada (IBC) offers tips for Canadians...
Break-ins and Auto Thefts decreased in 2011
Statistics Canada reports that there were fewer break-ins and auto thefts in 2011. For more details on this survey check out the article we found.
“Many Insurers offer Insurance for Home Run Business”
Do you have a business that you run out of your home? Are you aware that most Insurance companies offer coverage for your Home Run Business? Why not contact your broker and get more information on what they have to offer. Check out this article that we found on...
ICLR launches new website on basement flooding
Check out the new website to help reduce the chances of experiencing basement flooding or other types of water damage.
MARKETPLACE IN DENIAL
Before you buy insurance through the bank, we suggest you review this Marketplace investigative report. Marketplace in denial - mortgage insurance
Rain Barrels offer Old-Fashioned Solution to Avoiding Water Damage
Who would of thought that a rain barrel could possibly help you keep home water damage to a minimum. A new study released June 1 by Insurance Bureau of Canada (IBC) and Wingham, Ontario concludes the humble rain barrel offers an old-fashioned solution to keeping home...
5 Tips for Vacationing Homeowners
With the warmer weather coming people are opening their cottages and trailers getting ready to spend the summer weekends and vacations away from home. Aviva claims data shows that residential burglaries spike in the summer. Read the 5 tips for vacationing homeowners...
An Uninsured Home Business could put you on the Street
Have you ever thought of running your business out of your home? Being self-employed has its benefits: Flexible hours, autonomy, working within spitting distance of the fridge. But setting up shop in your home also brings along a host of new concerns. To learn more...
IBC Launches new iPad app to help Canadians learn how to Prevent Water Property Damage..
Insurance Bureau of Canada (IBC) has launched the Dry House Challenge iPad app to help Canadians learn how to prevent water damage to their properties. Based on recent estimates, the Canadian insurance industry pays $1.32 billion each year in claims due to water...