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
Stay Alert for these Pandemic-Related Schemes seen in Kitchener-Waterloo
During these strange times of increased isolation and use of digital communication technologies, there’s increased activity of cyber threats to watch out for. We’ve put together some of the top phishing schemes and personal security concerns throughout Waterloo...
Protect Yourself: Online Holiday Shopping Safety
There are many types of fraud schemes, with new ones invented every day! The holiday season typically brings with it an increase in purchases and financial transactions, which provides a great opportunity for fraudsters to take advantage of unsuspecting victims. ...
Don’t Let Patio Season End: Heat Options for the Outdoors
In Canada, patio season is a rite of spring. Unfortunately when our fall season hits, it usually signals the end of those patios – but this year is different. Bars and restaurants are going to need to rely on outdoor dining to stay in business, while individuals are...
BBQ Tips and Safety for Grilling Season
BBQ TIPS AND SAFETY FOR GRILLING SEASON It has been an outstanding start to summer, with hot and dry weather. It's been a great motivator to get outside and use the backyard barbecue. And with most of us spending more time at home and cooking for ourselves, there are...
Flying your Drone on the Right Side of the Law
When I was young, RC planes were the pinnacle of the toy world. What could be cooler than a model airplane that could actually take off and pull cool loops and barrel rolls through the sky (or at least until you managed to stick it in a tree)? It turns out we all had...
How To Adjust To Working From Home
With the escalating threat of the COVID-19 pandemic and a State of Emergency declared in Ontario, non-essential businesses are shutting their doors to the public. And many Ontarians are suddenly finding themselves being asked to work from home for the first time in...
Local Flood Warnings Have Begun
With rapidly rising temperatures and rainy pre-spring weather, flood warnings will become more and more frequent. This week the Grand River Conservation Authority issued official warnings for Ayr, New Hamburg, and Drayton near the Conestogo River. If you live near...
Tips For Re-opening Your Seasonal Cottage or Trailer
From the Staebler Blog archive: This post originally appeared in May, 2019. 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...
Out With the Old – Common Household Items you Might Not Know Expire!
They say nothing gold can stay, and isn't that the truth. While we might be used to keeping an eye on the expiry date for our groceries, or swapping out the batteries on our fire alarms, there are plenty of other common household items that can go bad on you without...