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
Caring for Aging Parents
Aging is a funny thing: As children, our parents think of nothing but ways to help keep us safe and protect us. But, as our parents get older, start slowing down, and start dealing with more health complications those roles become reversed. But protecting your parents...
How to Insure your Backyard Wedding
There’s a lot to think about when you’re planning a wedding — especially when you’re hosting it yourself. From choosing the right chair rental service to helping your guests find overnight accommodations, your to-do list is likely jam-packed, and the last thing you...
Stop the Spread! How to Sanitize your Home When Someone is Sick
So the day got off to a bad start when your youngest threw up in her breakfast. In the afternoon, you got a call from school and had to pick up your oldest from school. Tonight, your spouse came home and immediately staggered up to the medicine cabinet with a groan....
How to tackle Summer Repairs around Home
As we finally roll into the warmer months, it’s time to get the home into order. After a long winter and cool, rainy spring, you’ll want to make sure everything in your home is ship shape and ready for another year. Reseal the Deck Your poor deck has spent the last...
The Dangers of Online Gaming (Part Two)
Last week we looked at some of the most common dangers your child may face while playing games online. Today, we’re going to look at the broader picture and identify a few gaming related dangers that occur outside of the game. Part One of our Two Part Series can be...
The Dangers of Online Gaming (Part One)
This is Part One of a Two Part Series on the Dangers of Online Gaming Video games are the single most popular entertainment medium in the world. For parents today, the question isn’t "do your kids play games?” It’s "which games do your kids play?” And as the industry...
Victoria Day is Here; A Great time to Re-open the Seasonal Property!
The long wait is finally over: It’s time to open up your getaway property. As the warmer weather settles in, the chores at the cottage or trailer begin. While this always seems like a never-ending and daunting task, opening the cottage for the season is very...
Ways to Keep Your Home Safe During a Windstorm
Last May’s windstorms set record high in wind speeds and caused the province more than $380 million in damages. With climatologists predicting more extreme weather events, you need to know what to do to keep your home safe when a windstorm is about to hit. Put...
Now is the Perfect Time to check your Smoke Alarms
As we move into spring, homeowners across Ontario are emerging from hibernation and ready to accomplish their springtime tasks. It’s time to fill up the pool, find out what has been nesting in your shed, and perhaps, maybe, actually clean out the garage this year...