Homeowner Insurance

To get the best price and the right coverage, we’ll need some basic information about you and where you live. It’s okay, they’re not super hard questions or anything. Questions may include:

• 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.

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.

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.

We’ll also cut through the industry jargon to make sure you understand your policy, and help you navigate optional coverages to recommend additional options you may want or need. 

With homeowner insurance especially, there are a lot of options, and it can be overwhelming to research. An insurance broker will help you build the right policy for your situation. As your needs change, your Specialist will also help you update your policy so you stay covered.

An insurance Specialist is also aware of discounts offered by insurance companies and can recommend combining products to save you time and money. In fact, some insurance companies and their products are only available through an insurance Specialist. Bottom line? We can save you money too.

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at +1 (833) 745-0299 and we’ll be here to help you navigate the situation, 24/7.