Home Insurance
Your home is the most significant investment you’ll make in your lifetime. It’s a place of safety, where you’ll nurture your family and create countless memories with your loved ones. Your home is the heart of your life, your comfort zone and the place where you should feel the safest.
No matter if you live in a townhouse, semi detached, detached or bungalow, we can help ensure you are protected. There are different types of coverage in the market that our clients can choose from:
- Building coverage: Protects the foundation of the property against damage caused by an insured risk.
- Contents of your home: Cover valuable items such as jewelry, electronics, furniture and other personal belongings.
- Liability coverage: Protects you in case someone gets hurt or their personal property is damaged.
- Groundwater, overland water and sewer backup: Protection against water-related damages.
Getting insurance for your home means investing in your future, your comfort, and your peace of mind.
CONDO INSURANCE
Your building management has insurance that protects the building and the common areas, but their policy does not include protection for any upgrades done in your unit or the contents inside.
This is where a condo insurance policy comes in handy. This type of coverage will protect any upgrades you have made to your unit, your personal belongings, and the contents in your storage locker. It will also cover you if someone living in or visiting your condo gets hurt, or if there is any damage done to your unit. Additionally, if an event prevents you from living in your unit, your policy will help cover your living expenses, maintenance fees, and a temporary membership to a health club facility while you are unable to use the condo’s facility.
If you serve on your condominium’s Board of Directors, you should talk to your broker about adding Umbrella Liability and Directors & Officers insurance to your coverage.
TENANTS INSURANCE
If you are currently renting a house or an apartment, and there is any damage to the property your landlords insurance will most likely cover the repairs. However, if the damage was caused by you, someone else living in the property, or one of your guests, you would be responsible for paying for it. Tenants insurance, also called renters insurance, provides protection in these situations.
It also protects your furniture, clothes, electronics and other personal belongings that might get damaged or lost in the event of a fire, flood, theft or any other covered risk.
Given that this is one of the most affordable types of insurance, it is highly recommended due to the benefits that it provides in the event of an accident.
COTTAGE PROPERTY INSURANCE
There are two types of property insurance for your cottage:
- Basic coverage: It protects your seasonal cottage and belongings. You also have the option to add protection for seasonal detached buildings.
- Broad coverage: It provides you with extended protection for your year-round cottage. This insurance includes coverage for detached buildings, like a boathouse or shed, as well as your belongings.
Trust Our Brokers for Expert Guidance. Contact us now to receive a free quote.