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We’re in the business of protecting your favourite places & spaces.
Explore affordable home insurance options in Ontario, crafted to suit your unique needs by our experienced insurance brokers. We are committed to providing cost-effective coverage that safeguards your home and belongings without compromising quality or peace of mind.
Bundles & Discounts
Some things are just better together
Save up to 50% on home, plus 20% on auto with a variety of our multi-policy discounts. Conveniently manage both of your policies under one roof with 24/7 access through our self-serve portal.
Custom coverage, no matter where you live.
Types of home insurance
We offer comprehensive plans that are dedicated to protecting your favourite spaces and places.
House Insurance
Whether you own or rent, a tailored house insurance policy protects your dwelling and belongings, safeguarding you against unexpected events.
Condo Insurance
Condo insurance is tailored for condo owners in Ontario, providing protection for your unit, personal property, and liability. Fully tailored to you, this is meant to complement the condo corporation’s master policy.
Tenant Insurance
For renters in Ontario, tenant insurance is essential. It protects your personal belongings, offers liability coverage, and can even cover additional living expenses if your home becomes uninhabitable.
House Insurance
Whether you own or rent, a tailored house insurance policy protects your dwelling and belongings, safeguarding you against unexpected events.
Condo Insurance
Condo insurance is tailored for condo owners in Ontario, providing protection for your unit, personal property, and liability. Fully tailored to you, this is meant to complement the condo corporation’s master policy.
Tenant Insurance
For renters in Ontario, tenant insurance is essential. It protects your personal belongings, offers liability coverage, and can even cover additional living expenses if your home becomes uninhabitable.
Airbnb Insurance
If you own rental properties in Ontario, rental property insurance is paramount in protecting your investment. This covers your units, preserving your income stream amidst unexpected events.
Airbnb Insurance
If you own rental properties in Ontario, rental property insurance is paramount in protecting your investment. This covers your units, preserving your income stream amidst unexpected events.
Cottage Insurance
Enjoy the serenity of Ontario’s lakes and forests with cottage insurance. This one-of-a kind program shields your getaway retreat from seasonal risks and provides year-round peace of mind.
Cottage Insurance
Enjoy the serenity of Ontario’s lakes and forests with cottage insurance. This one-of-a kind program shields your getaway retreat from seasonal risks and provides year-round peace of mind.
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Frequently asked questions
You asked, we answered. Hear what our brokers have to say about some of the top insurance questions in Ontario.
This covers a variety of expenses, including property damage, loss of personal property and theft. Your policy will also include private liability, and any added living expenses are often included in the case of an emergency or displacement. A basic homeowner’s insurance policy does not cover flood, earthquake, or voluntary acts of negligence.
The actual cash value of a personal item or piece of property is the cost of the item sold AS-IS on the current market. If you have owned a private property or structure, their value would have depreciated over that time. Actual cash value will factor this into the final cost. However, replacement cost value is the amount of money it will take to replace your property or damaged goods without deducting for depreciation.
If you are serious about protecting your assets and investments, it is recommended that you carefully document your property and the personal items inside. It’s good practice to walk through your home and take detailed pictures of all your big-ticket items, such as jewelry, appliances, electronics and antiques/ collectibles. If something unfortunate were to happen, this would serve as proof of ownership and show the condition of the item(s) prior to any damage.
Safeguarding your home is the number one investment you can make which will impact your premium. Deadbolts on all of your entry doors and locks on your windows is a great place to start. Installing security and fire alarm systems that automatically notify the local police and fire departments will help to keep your property safe, even when you’re not home.
Installing and maintaining smoke detectors should be another priority for any homeowner, and if you have the means, a sprinkler system and carbon monoxide detector could help to save you from a great deal of damage should a fire break out in your house.
Remove any potential hazards to the best of your ability, such as keeping your walkways and entry points clear – specifically during the winter season. Salting your sidewalk and shoveling snow could save you a lot of time and hassle if something were to happen to a neighbor or passerby. In addition, restricting all access to “attractive nuances” such as swimming pools and trampolines is a good idea.
With homeowner’s insurance, you may be afforded coverage for the neighbour’s injury. Your policy will cover medical costs resulting from the wound on your property, as well as any legal fees and costs to repair damages that led to our occurred during the injury. (This coverage assumes you were not voluntarily negligent.)
Accident discharge of water due to an issue with your plumbing system is included in your homeowner’s insurance plan. If something should happen to your plumbing system causing it to leak into your home, your policy will cover the costs associated with restoring the property. Check your plumbing system at least once per year to ensure everything is operating as it should be.
If you happen to live in an area prone to flooding or earthquakes, it is recommended that you add a rider or endorsement to your policy to include damages and loss as a result of these events. Our team can assist you in securing this coverage.
Homeowner’s insurance is not lumped into your mortgage payments unless you request that your insurer opens an escrow account, allowing you to combine your payments together. This has become a more common practice amongst first-time home buyers for more convenient billing.
There are many reasons why you should, or could, add to your current homeowner’s insurance policy. For example, if you are adding on to your existing property, you should contact your insurance provider to include this extension and receive guidance on what your plan should now include. You should also consider adding more coverage if you purchase land separate from your current plot, if you are buying another home, or going to rent a structure to others.
You may want to update your homeowner’s insurance policy if you make a significant purchase, such as expensive jewelry, a computer, or even new appliances for your kitchen. If you add to your investments in any way, you should immediately document the changes and contact your insurance professional to consult them on the necessary changes needed to keep your insurance program up to date.
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