For most people, homeowner insurance protects their biggest investment.
The loss of a home is always traumatic, but adequate insurance allows you to get on with life with minimum impact on your finances and way of life. Your home insurance will give you coverage for your personal belongings, your dwelling, and additional living expenses for a broad range of perils. It is also required by most mortgagees in order to provide collateral for the loan.
The premium for your home insurance will be based on the Replacement Cost of your home. We calculate this by using the square footage, type of flooring, number of washrooms, and many other features that your home may have. The premium also depends on the type of coverage you choose. We will then be able to provide quotes from the insurance companies we sell for.
All insurance policies have “special limits” on certain types of property and you should talk to us about high priced items that you may have, that are limited within your policy. As well, some of your belongings such as motor vehicles, boats, a.t.v.’s and seasonal homes will need to be added onto your policy, so be sure to ask us about insuring them. The basic deductible for most policies is $500 but a significant discount can be applied if you choose a higher deductible.
If you are interested in receiving a quote, visit our insurance quote form here.