Homeowners Insurance
Protect your home and family from financial losses in the event of a fire, break-in, or natural disaster.
Home insurance isn’t just about what you own—it’s about protecting the life you’ve built inside.
Home insurance is about more than just protecting a structure—it’s about safeguarding the people, memories, and assets that matter most. Our team is committed to making you feel safe and supported by bringing transparency and clarity to the insurance process. We take the time to explain your coverage options in plain language, so you understand exactly how your home, belongings, and liability are protected. By offering informed choices tailored to your needs, we help you feel confident that you’re not only covered—but truly cared for.
Coverage examples
As a Canadian Home Insurance broker, we know that every individual is different and we want to make sure you have the best coverage possible for your specific needs.
-
Dwelling Coverage
Protects the structure of your home covering damage to the building itself, including roof, walls, floors and built-in appliances.
-
Personal Property
Covers content of your home such as furniture, clothing, electronics, and other personal belongings in event they are damaged or stolen.
-
Liability Coverage
Provides protection if you or a family member is found responsible for injuring someone or damaging their property.
-
Loss of Use
Additional Living Expenses (ALE) coverage helps pay for temporary living expenses if your home becomes uninhabitable due to a covered event.
-
Water Damage
Coverage for damage caused by water, including events like a burst pipe or flooding. Sewer Backup coverage is also available to cover costs of cleaning and repair.
-
Specialized Coverages
Options based on the unique risks that are not commonly covered with standard policies, such as identity theft coverage, and home-based business insurance.
Is your home protected?
We tailor your coverage to fit your unique needs, and and work with you to ensure you understand your policy. Let us make insurance easy for you.
Common questions
-
Can I include specific items like jewelry or artwork on my homeowners insurance policy?
Yes, you can typically schedule high-value items on your policy. This ensures that these items are adequately covered in case of loss, theft, or damage. Keep receipts and appraisals to help determine their value.
-
Does homeowners insurance cover home-based businesses?
Standard homeowners insurance may not provide sufficient coverage for home-based businesses. Consider purchasing additional coverage or a business insurance policy to protect against business-related liabilities and property damage.
-
How can I lower my home insurance premiums?
You can lower your home insurance premiums by increasing your deductible, bundling insurance policies, maintaining a good credit score, and installing security features in your home. It’s also essential to regularly review and update your policy based on changes in your home and circumstances.
Does this sound familiar?
With all the information out there, it can be hard to know where to start when it comes to insurance coverage. We are here to answer those questions and get you the coverage you need.
You don’t know if you have enough coverage
Our goal is to fully understand your home insurance needs, which means discovering potential vulnerabilities to ensure you have the adequate coverage needed, offering you peace of mind that your home and family are fully protected.
You find yourself asking more questions than your broker does
We don’t offer out-of-the-box solutions and pricing that can be generated from a few standardized questions. We build relationships with our clients and do deep dives into their unique insurance needs, and offer customized solutions.
You don’t actually understand what your policy all covers
We go through all policies in depth with our clients to ensure they fully understand what coverage they are paying for and how it will impact them financially. The strong relationships we build with our clients means we are always available and happy to answer any questions they have on their policies and coverage.
By the way, did you know…
We offer next level insurance support with our in home concierge service
Are you a homeowner with a cottage, boat, quad, and loves to take family winter vacations? We come to you to answer all your questions and gather what is needed to get you the coverage you need.
Value Added Services
We go beyond insurance by offering value-added services that truly support the way our clients run their businesses. From proactive risk management advice to industry-specific insights and strategic planning support, we strive to bring a level of understanding and partnership that’s hard to find elsewhere. Our goal is simple: to be so valuable, informed, and invested in your success that you can’t imagine operating your business without us by your side.
We are here to help
-
Claims
Need to make a claim? Let us help you through the process.
Submit claim -
Questions
Have questions about your policy? Get in touch with us to review your coverage options.
Contact our team -
Immediate help
Our team is available 24/7 for emergency claim services.
(204) 746-2320