One of the most important investments people ever make is purchasing a home. That is why it is just as important to protect your home with a homeowner’s insurance package suited to your individual needs.
Your policy will provide the protection you need for:
- Your home
- Other buildings or structures on your property
- Your personal belongings – furniture, clothing, appliances, etc.
- Additional living expenses
- Your personal legal liability
Home Insurance Quotes in Ontario
Think Warner Insurance
Whether you own or rent, live in a two-story house or high-rise condo, your home and its contents are likely among your biggest investments. Make sure they’re protected with homeowners insurance from Warner Insurance. We will review your specific and individual requirements and help you decide on a plan of protection that will help ensure your loss is properly compensated, should you be so unfortunate. We will shop our network of trusted home insurance companies to provide all the coverage you need with a variety of great discounts to fit your budget.
What Is Home Insurance and Why Do I Need It?
Home insurance reimburses you for your financial loss arising from accidental losses. This includes things such as water damage, vandalism and fire. House insurance also ensures you are protected against legal actions arising from your personal actions or ownership of your property. It’s likely that you will require home insurance prior to purchasing a home. This is because most banks and mortgage companies will require home insurance before lending you money.
If you are renting, tenant’s insurance typically offers two kinds of coverages: liability and contents. Liability coverage will protect you from your personal actions that can be held responsible for damage to the building or injury to others who live or visit your rented premises. Contents coverage compensates you for loss or damage to your personal possessions from accidental losses which include fire, smoke and theft.
How Much Does Home Insurance Cost?
The cost of home insurance depends on the type of insurance coverage you choose and the additional protection options that you may add on.
Several factors affect the cost of property insurance:
- Type of heating source
- Type of electrical distribution
- Age of roof
- Claims history
- Proximity to a fire hydrant or fire station
- Upgrades and renovations
If you’re looking for cheap home insurance, ensure that you are still getting the coverage that you need. Some property insurance companies may also increase your deductible to give you a lower rate. We recommend talking to your Warner Insurance broker about this.
Here are some ways that can reduce your house insurance premium:
- Security such as a burglary alarm system
- Smoke detectors
- Bundle your home and auto insurance
How Do I Get Home Insurance with Warner Insurance?
You can begin by filling out our online quote form for your home insurance with Warner Insurance. We will shop the marketplace for you to find the most suitable home insurance company offering the coverage you need at the best possible price we can find. We’ll ask for some information about you and your property. Here’s some of the information we may need from you.
- The type of building
- The type of material that covers the exterior of your home
- The year your home was built
- The type of material your roof is made of and the year it was last replaced
- The square footage of your home, excluding the basement
- Details regarding if your basement is finished, and whether you have a garage or pool
- The type of heating and ventilation systems you have in your home.