Ontario Home Insurance


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Let Us Do the Shopping for Your Home insurance

Buying a home is a significant investment, and protecting your investment with the right insurance means peace of mind. Let our insurance experts shop 40 companies to put together a home insurance policy that will make sure you’re covered should the unexpected occur.


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Standard Home Insurance – What’s Covered?

  • Building: Available in All Risk coverage (insured for everything unless it’s specifically excluded from your policy) and Named-Perils coverage (specific perils covered by your policy). *The majority of home insurance policies contain All Risk coverage for your building.
  • Contents: Insures your belongings inside the home, available in All Risk and Named-Perils coverage.
  • Detached Private Structure: Coverage for structures that are on your property but are not connected to your home (ex: detached garage, shed).
  • Additional Living Expenses: Pays for your living expenses while you have to temporarily live away from your home due to an insured loss.
  • Personal Liability: Protects you from having to pay damages to people if you are responsible for unintentionally hurting them or their property (covers you anywhere in the world).
  • Voluntary Payments for Medical Expenses: Covers medical costs if someone hurts themselves on your property.
  • Voluntary Payments for Damage to Property: Covers physical damage to the property of others.

Standard Options for Home Policies include:

Basic Coverage

Offers minimal protection against damage due to fire, lightning, hail, explosions, and an assortment of other disasters but does not cover many other situations.

Comprehensive Coverage

In addition to basic coverage, comprehensive also covers damage caused by rotting floors, sparking light fixtures, failing roofing systems, and malfunctioning appliances to name just a few examples.

Named Perils Coverage

Covers damage caused by circumstances or situations according to a specific list of events in your policy.

Other Considerations

If you rent your home or cottage to others, or have a tenant in your home, you need extra coverage to be fully protected.

 


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