At Mitchell & Whale we pride ourselves on being able to find solutions for ALL of our customers, not just the ones that fit inside a small box of situations. As with all types of insurance, there is the standard market for the most common situations, and the “high risk” markets for the non-standard situations.
You can fall into the high risk home insurance category for a few reasons, such as the type of building you want to insure, your claims and payment history, or the use of the building.
It is important to us that you are able to get insurance that provides you with the coverage you want and need, and we will work with you to find the solutions for your individual situation.
Our brokers have your high risk home insurance answers, and our company offers advantages such as:
For a quote on high-risk insurance coverage, speak with one of our specialist brokers at Mitchell & Whale: Speak with a broker today: 1-800-731-2228
High risk home insurance is specifically designed to cover clients who have had problems getting home insurance in the past, or high risk home situations that many insurance companies will not cover. If you fall outside of the standard market, due to your insurance history or the type of building you are looking to insure, we will help you get covered.
We work directly with a large network of high risk carriers throughout Ontario, and that gives us access to plenty of options for you. With our service, you are not locked into one company or forced to take coverage that does not fit your needs. We will look at your situation and determine exactly which of our carriers can offer the best options, and then create programs that fit your situation exactly.
As your situation changes over time, we will be able to find you insurance that fits your changing needs. For example, if you are in the high risk home insurance market due to outdated electrical wiring in your building, once you have updated the wiring to modern standards, we would be able to smoothly transition you to a standard market insurance company to ensure that you have the best coverage.
As we mentioned earlier, high risk home insurance is required in situations where either the client or the property pose high risk situations. In the case of the client, it could mean:
Even with a spotless insurance history, you can be forced into high risk home insurance if you own a:
So as you can see, any homeowner could find themselves in the high risk home insurance pool. Sometimes it just does not seem fair, which is why our brokers work so hard to put together stable and secure solutions.
While there are plenty of steps our brokers can take to help you get your high risk home insurance for a reasonable price, there are things you can do as the homeowner to help your own cause. Some of the best ways to keep high risk home insurance premiums down include:
If you are in the high risk home insurance pool because of your own actions, then all it takes is a sense of responsibility to get out of the high risk pool. Some good actions to take include:
Mitchell & Whale is proud to work with the best selection of high risk home insurance companies in Ontario, including:
Call one of our brokers today and let us introduce you to the ideal solution for your high risk home insurance needs.
Learn more about what's covered by home insurance in Ontario.
For more details or a quick, personalized quote on your home insurance, contact one of our brokers. Mitchell & Whale Insurance Brokers have been helping homeowners find – and understand – the best home insurance policies since 1948. We’ll be happy to find you the coverage you need at the best rate in Ontario.
Call us today at 1.800.731.2228 to speak with one of our brokers!