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Homeowner Insurance

So many things can happen to your home. 
The right insurance is one of them.

There are a ton of homeowner insurance policies and coverage options, and the search for the right one can be long and frankly, painful. Now, we may not be able to make insurance shopping fun, but we can make it better. 

Get started with a quick quote and let’s see how we can do better together.

Protect what you love from what you don’t love: the unexpected

What if there was a fire?

A fire accidentally started in your home. Scary, for sure. But you know what’s not scary? You won’t have to pay for all the damage repairs.

What if you had no place to stay?

Your home was damaged and you couldn’t stay there while it was being repaired. Your coverage can include living expenses while they fix your home, so you can rest easy elsewhere.

What if your stuff got stolen?

Your home just got broken into. Stressful for sure. But at least replacing or repairing things will be covered by your homeowner insurance policy.

How to make homeowner insurance work for you

Homeowner insurance is crucial, but finding the right insurance plan for your home, at an affordable rate, can be tough. Don’t worry. We’ll make it easier. We know the entire home insurance market, from what products are available to how much they cost and when they are appropriate. 

Not every homeowner insurance policy is the same. However, most policies come with some standard coverages intended to help you repair damage or replace your things if something unexpected happens. Common standard homeowner insurance coverages are:

Liability Coverage

This coverage protects you for accidental injuries or damage to you or someone else in your home.

Personal Property Coverage

Often referred to as Contents Insurance, it protects your personal belongings–from your computer to your PJs. Basically anything you own that you could pick up, pack up and move with you to a new home. There’s also special coverage to protect certain things, like valuable jewelry or collectibles.


Is home insurance mandatory?
Honestly, home insurance is not legally mandatory in Ontario and British Columbia. But, if you need a mortgage, it’s often required by the bank or lender to have home insurance and display proof.
What information do I need to get a quote?

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.

How do insurance companies decide insurance rates?
Insurance companies determine rates differently for different insurance products.

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?
What your home insurance policy covers really depends on you. Most home insurance policies come with certain standard coverages designed to help you repair damage to your home or replace belongings if something unexpected happens. These coverages often include personal property loss or damage, contents coverage, additional living expenses and liability. 

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.

What is the value of working with an insurance Specialist?
Like we said, shopping for insurance is not fun. So think of us as your insurance partner. We’ll do everything we can to make getting the right coverage as smooth, simple and painless as possible. We know every insurance situation is unique, so we know the important questions and will learn about you to make sure your policy gives you the protection you need.

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.

What do I do if I have to file a claim?

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.

We love our clients.
Turns out, they love us too.

…always provided us with convenient and dependable service.
Ian T.
Friendly and helpful staff. They answered all my questions and made the process easy.
Jane G.

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At Insurance Store, we offer homeowner insurance to those in Woodstock, Chatham, Collingwood, Barrie, Windsor, and the rest of Ontario.

Open for business, and ready to help with all your insurance needs by phone or email. Contact Us Now