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 homeowners 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
We’re local homeowner’s too. We understand what you need to properly insure your home and sleep worry free knowing that your insurance is there for you.
Homeowners insurance is provided as a “package” of coverage to protect your home, detached private structures, contents and additional living expenses. It also provides liability protection.
Homeowners policies are designed to cover the various risks of a home owner in one package policy. It is a very flexible product and the three option types available are generally referred to as standard, broad and comprehensive. The standard product provides coverage for the basic perils of fire, explosion, water escape from a plumbing appliance and theft. The comprehensive or “all risk” coverage on both building and contents includes sewer backup with broader limits for such items as jewelry, furs, money, silverware and watercraft. All homeowners forms provide personal liability coverage in the package.
Did you know that if you are a renter you are responsible for protecting your personal property and providing personal liability coverage in the event you cause personal injury or damage to others? When it comes to your personal belongings, renters should make sure that jewelry and collectibles are adequately covered. Tenants policies, while not mandatory, are now being included as part of the lease requirements by landlords of the property being leased to the tenant. A tenants package policy is designed to protect the tenants personal contents, and personal liability, including the tenant’s legal liability for damage that is done to the landlord’s building or other tenant’s personal property as a result of tenant negligence, such as a careless smoking, cooking, or water damage claim.
Condominium policies are designed to protect the unit owner for all interior damage to the unit itself against all risk perils. In addition it provides protection for personal contents, betterments and improvements made to the unit from the date of original construction, special assessments levied by the condominium corporation from an insured peril loss, and unit owner contingent coverage for the owner in the event of a shortfall or lapse of coverage under the condominium master unit building policy. All condominium package policies include personal liability coverage in the package.
Many current and future landlords have questions about protecting their rental property and getting the right insurance to make sure they are ready for any potential problems down the road. Landlords need to protect themselves and their properties from the many perils that may present themselves. Contact us for a quote today!
Make sure you enjoy every moment of Canada’s warmer seasons! We can provide insurance for your cottage or seasonal residence, depending on the location and frequency of use. Is your cottage more like a “home away from home”? Then your insurance needs may go well beyond the limited coverage typically available for cottages. We have policies that provide the same level of protection as a policy for your home. You can add specific coverage for boats, motors, utility trailers, and also increase your liability coverage to protect against the hazards of waterfront exposure.
The demand for environmentally friendly energy, products and services is strong and growing. In renewable energy, these include, but are not limited to: Solar panels, geothermal, and hydro power. We have experience in all of these fields and can help you determine your insurance needs, and obtain the appropriate coverage for you.
Boating is a lifestyle you’ve worked hard for, that’s why when your boat breaks down in the middle of your holiday it’s somehow more offensive than your car breaking down in the middle of the work week. Insuring your watercraft may seem like an extra expense, but when you think about why you bought the boat (ie. lifestyle) then that insurance seems more palatable. You worked hard to enjoy your time on the water, so you should consider buying a separate insurance policy for the boat, or add it to your homeowner’s policy. Let us help you find the right policy to suit the needs of your boating lifestyle.