House Insurance in Ontario

Keep your home and family protected against costs associated with home damage, theft, and more with home insurance. The right home insurance policy for residents in Ontario will enable you and your family to deal with home-related losses as fast as possible.


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Making Sense of Your Home Insurance

Understanding how homeowners insurance works can have a positive impact should you ever have to make a claim.

Waiting until after you have a claim is the wrong time to learn about how your policy will respond.

All too often, homeowners find out only after a loss event that their coverage was insufficient.

By working with an independent insurance broker, you can save time and money by shopping your coverage to end up with the best coverage at the best price, and in the event of a claim you receive personalized claims assistance for peace of mind.

Simply put it's a contract between you and an insurance company

A homeowners insurance policy is a legal contract between you and the insurance company you have chosen to cover your home. Your insurance policy covers damages property and possessions lost from specifically named perils such as hail, windstorms, or lightning damage. Broader policies exist which will cover damage or loss from any peril, unless specifically excluded. Keep in mind that although a few insurance companies offer flood coverage within your homeowners insurance policy, most exclude damage caused by flooding.

After protecting your property, homeowners insurance policies also help cover your personal exposure to liability claims. Liability insurance protects you and your family from lawsuits resulting from someone becoming injured on your property or damage to their property.

In the event of a claim…

As with any contractual service, your obligation is to make premium payments on time. In doing so, the insurance company is bound by its promise to pay in the event of a claim. It is important not to let payments lapse as claims can be denied.

If you have a claim, you will work closely with an adjuster. The adjuster’s responsibility is first to determine whether the cause of loss is included in your policy. If confirmed, the second step is the adjuster will determine the amount of payment due. You, as the homeowner, would be responsible for any deductible obligation.

Coverage Details

It is in the details of an insurance policy where policyholders may overlook important exclusions or exceptions that can greatly impact the result of a claim. The insurance policy will outline specifically what is and is not insured under the policy form. For example, the home’s structural components, contents held inside, and any upgrades are commonly insured.

However, many items are specifically excluded or can only be covered using an added endorsement. Commonly excluded items include cash, securities, jewelry, gems, and precious metals. And although you may store them in your garage, vehicles are also excluded.

What is Covered?

Most homeowners insurance policies cover the following:

  • Fire
  • Hail
  • Wind
  • Smoke
  • Burglary
  • Explosion
  • Lightning
  • Vandalism
  • Falling objects
  • Damage from frozen pipes

Other structures, such as detached garages, fences, sheds, and swimming pools can also be afforded with the same protections for the same causes of loss. However, most policies will impose a sub-limit for additional items. Additional limits of coverage for ancillary items are available for additional premium.

Don't Forget Liability Coverage

Although less likely than claiming damage to your home, a liability lawsuit against you could be multiple times more costly. Consider the costs you could be held liable for if someone was injured in your home:

  • Legal costs
  • Lost wages
  • Medical bills
  • Death benefits
  • Pain and suffering

Liability coverage protects you and your family even away from your house. For example, if you accidentally cause damage at another individual’s home, your homeowners policy may be called upon for reimbursement. Or, if you inadvertently injure someone in public, your coverage may help protect you if you are sued. It is important to note liability coverage does not cover intentional acts.

The Duliban Hometown Advantage

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