We’ll take you from home insurance shopping to home stretch
Our Specialists can help you navigate the different coverages available to make informed decisions on what you want and need. Our Insurance Specialists make finding the right home insurance policy easy on you by shopping available coverage through different insurance companies, and then providing you with what you need to know to make an informed decision.
Home Owner Insurance
Rental Property Insurance
Seasonal & Secondary Home Insurance
So many choices. Don’t worry.
We got you.
Our Specialists know what products are available, the costs and when coverages are right for you.
It’s like having all the choice in the world, but with a Specialist to sort through it all, and give you better options at a great price. Start by getting a quick quote today.
Tons of different home insurance options. But we’ll help sort through what you need. We offer:
Why do you need home insurance?
Your home is probably the largest single investment you’ve ever made. We’re here to help you understand the details so you can make an easier, informed decision.
For starters, did you know homeowner insurance covers the actual structure of your home, and protects the things you keep inside it? Bottom line? Home insurance can get complicated. Here are just a few of the reasons why:
Renters need it too
Different kinds of damage protection
- Additional living expenses incurred when you cannot stay there during damage repairs
- Liability (injury) protection
- Theft and vandalism
- Damage to personal belongings within the home, like furniture or electronics
Make home insurance work for you.
Not the other way round.
Not every home insurance policy is the same. But standard coverages include:
Personal Property Coverage
Additional Living Expense Coverage
Your homeowner insurance should be as unique as you are
Every situation brings a unique set of factors that will impact the cost of your home insurance policy. Did you know a homeowner’s policy can insure your child’s belongings while they attend post-secondary school, or your parents’ belongings if they’re in a retirement or nursing home?
Also remember every policy has maximum amounts it will pay if you experience a covered loss and make a claim. In most situations, you will also pay a deductible before your home insurance policy kicks in and starts to pay for a covered loss.
Understand your deductible and coverage limits – you can usually adjust them to match your current needs. We can help make sure your policy limits are enough to cover the property you are protecting:
Replacement cost limit
Look, it’s a lot. No doubt.
But we’re here to make this simpler for you.
We use our knowledge of the home insurance landscape and your specific situation to help you make an easier, more informed decision when it comes to these options and your needs.
We can discuss what affects your premiums and shop the market for you to ensure you get the best coverage at the best rate possible. Period.
Is home insurance mandatory?
Do I need to buy tenant insurance if my landlord has a homeowner insurance policy?
What information do I need to get a quote?
- When would you need your coverage to start?
- What type of home do you own or rent? (House, Condo, Townhouse, Apartment, Cottage, etc.)
- Where is your home located?
- What is the size and age of your home?
- What is the total value of the property in your home?
- What material is your home made of and what is the condition?
- What is your insurance and claim history?
The questions really depend on the type of home you own or rent, and the amount of coverage you need.
How do insurance companies decide insurance rates?
For homeowner insurance, some factors that affect your premiums include: where you live, the replacement cost of your home, materials used to build your home, the age of your home and the coverages you need.
For car insurance, some factors that affect your premiums include: where you live, the type of car you drive, your insurance history, if you commute to work, and any optional coverages you select.
What does home insurance cover?
But you can also set limits and add extra coverages depending on your scenario. For example, you may live in a region that is prone to severe weather and require Sewer Backup or Overland Water coverage on your policy for proper protection.
It’s also important to understand things your policy doesn’t cover. For example, damage related to proper maintenance and service of your home is not included. And some personal belongings may have a maximum value on how much you can claim.
A lot to chew on for sure. But you can shop for select products online and customize your coverage options, or we can help you build a home insurance policy that covers everything you need. Either way, #winning.
When do I need to review or update my coverage?
- Renewal: Every year when you renew, you can also make any changes that will be best for your situation, like changing your payment approach, adding to your coverage limits or changing your deductible
- Big purchases: Building a pool on your property? Upgrading to an ultrasonic, 7D, surround sound, gold-plated TV? You might want to increase your liability and contents limits or coverages to ensure you remain protected properly. You can always contact us too if you need help.
- Renovation: If you’re updating your home, you should also update your coverage to make sure your replacement cost limit has you fully covered.
Insurance hot tip: Take inventory of your personal belongings now. Painful? Yes. Less painful than waiting until it’s too late? Also yes.
Try to keep your receipts, user manuals or warranties in a safe place so you can use them as proof of ownership. It’s also great to have pictures of your valuable belongings. It’s like insurance for your insurance. Update your inventory as you buy new things. Buy an inflatable T-Rex? Take a selfie with it. Buy a super-fancy ironing board? Selfie.
What do I do if I have to file a claim?
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Turns out, they love us too.
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