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Home Insurance

​​​​​Owning a home may be your largest single financial investment so it’s important to protect your property and contents against unforeseen risks with home insurance.

What Does Home Insurance Cover?

Home insurance protects you from having to pay out a huge amount at once, often at a very difficult and emotional time.

Although not mandated by law, insuring your house can give you peace of mind. With severe weather on the rise, confirming accurate replacement value and keeping a current home inventory are important steps. For high-value jewellery, furniture or art, separate endorsements are also available. Understand the limitations in your policy. Typically, additional living expenses are included if you are temporarily unable to live in your home due to an insured loss. Your Homeowners policy also generally provides your personal liability in case someone trips and falls on your property or in your home, or you damage a third party’s property or accidently  injure someone else.

Buying Home Insurance

Buying Home Insurance

As a homeowner, you need to insure your house for its rebuilding costs in the event of serious damage or destruction. Know who and what is covered and understand the contractual obligations in your policy.

         Types of policies 

Types of Coverage 

Learn about the types of home insurance policies available such as comprehensive, named perils, broad and basic.

         Home buying tips 

Home Buying Tips 

Know what insurers consider when determining premiums. Do you know the difference between replacement and market value?

​​​Rental Properties

Rental Properties 

Contact your insurance representative if you decide to rent out your primary or recreational property, take in a boarder or sublet your apartment. Exclusions may apply to full-time, temporary or seasonal rentals.



Recreational PropertiesRecreational Properties

The insurer of your primary residence can typically list your vacation home as a secondary or seasonal location. Your insurer will want to know how and when you use your recreational property.


Heritage Properties Heritage Properties

Document unique characteristics, keep records and shop around when insuring a heritage property.

Home Insurance Fraud Home Insurance Fraud

Know who to talk to as well as how to report instances of fraud. Home insurance fraud can include exaggerated claims and vendors who overbill when rebuilding.

Risk ManagementRisk Management 

Be aware of your risks and take action to limit them. Risk management techniques can help you identify and eliminate risks on your property. Learn about how you can take control and manage risk in today’s increasingly litigious world.

Crisis ManagementCrisis Management 

Fire, an earthquake and severe weather can significantly damage your home. Consider such events and create a backup plan for your family: how you and your family members will communicate, where you will meet if you cannot go home and who else do you need to contact.

Emergency Preparedness Emergency Preparedness 

It’s important to have an emergency kit with 72 hours of supplies as well as an escape plan for your family. Learn what you can do to prepare for worst-case scenarios.