Home & Property
Insurance that cares for your residence

How it works

Without proper coverage, homeowners may face high out-of-pocket costs for repairs, replacements, or legal claims. Home Insurance coverages that homeowners should have include:

• Personal Liability Coverage: This section of a Home Insurance policy will provide coverage if you’re held liable for injuries or property damage to others. It can cover medical bills, legal costs, and other damages.
• Contents Coverage: This type of coverage secures the contents, valuables and personal belongings that reside in your home. It also provides coverage when you’re travelling – your possessions are covered from an insured peril should there be damages in your home while you are away. Insured perils can range from vandalism and theft to fire, flooding, smoke damage, water damage and more.
• Dwelling Coverage: This type of coverage in a Home Insurance policy will cover the costs associated with damages by insured perils in your home. The damages covered include the replacement cost of your entire home as well as the garage and patio.
• Additional Living Expenses Coverage: This type of coverage covers the insured if serious damages to your home are severe enough that you are displaced and need to live elsewhere for a period of time. It will cover the following costs: temporarily living in a hotel and rental and storage for your belongings.

Key features

• A customized home insurance policy that happily works for our customers and their budget instead of a generic policy.
• Insuring more than one and all types of homes including single-family detached homes, semi-detached homes, bungalows and more.
• Friendly and effective customer service from our dedicated and attentive brokers and service representatives.and claims.
• Ensuring our clients have peace of mind through every step of the process: quotes, renewals and claims.

How it works

A Mobile home is more than just a place to live — it’s your personal space and a valuable investment. It provides essential protection against risks like fire, theft, and extreme weather. Some mobile home parks may also require proof of insurance. A policy can cover the home itself, along with attached structures like garages or sheds.

Available coverages

• Contents Insurance: Contents coverage will protect the contents of your home including valuables and personal belongings while in your home and away from your home. They are protected from insured perils which include theft, floods, smoke damage, water damage, fire, vandalism and many more. Your broker will inform you of the claim limits of each peril category.
• Personal Liability Insurance: Personal liability is at risk when you are sued by someone who has suffered an injury or has had their property damaged while at your home. This will protect the insured against accidents that happen while in the home to someone who does not live there.
• Dwelling Coverage: Insured perils that cause damage to your mobile home will be covered by dwelling insurance. Theft, natural disasters, wind storms, fire, snow storms, water damage, explosion and more are insured perils. Dwelling coverage also accounts for the cost of your entire mobile home should it need to be replaced due to damage.
• Additional Living Expenses Coverage: If the damages to your home are severe and cause you to need to be temporarily displaced, this coverage will cover the costs of additional living expenses. These can include rent, hotel says, restaurant meals, take-out meals and the cost of storing your belongings in a storage facility.

How it works

Condo Insurance protects your unit, personal items, and liability risks. It covers repairs, replacements, and additional living expenses if you need temporary housing. Depending on your policy, it can also cover upgrades or renovations you’ve made to your condo. If an accident happens in your unit that affects others, liability coverage can help with legal and repair costs.

Available coverages

• Personal Liability: This type of coverage will protect you if a guest is injured or their property is damaged while in your unit. This insurance will cover monetary damages if they sue you for those damages.
• All-Risk Coverage: This insurance will cover all your belongings in your residence and also any renovations or improvements you have made to your condo. This will cover losses from all risks and perils. Some may not be included in your policy; we, as your broker, will inform you of what’s exactly covered.
• Additional Living Expenses: Should an incident occur that causes you to be temporarily displaced from your home, this coverage will take care of the costs of living elsewhere if the reason to leave is covered. (Ex: hotel stays, meals out, rent).
• Replacement Cost Coverage: This type of coverage will cover costs should you need to make a claim to replace or repair items and belongings within your unit. It will also ensure you are receiving items that are the equal quality and condition of the ones that are being replaced.

How it works

Cottage Insurance differs from the standard home insurance, often operating under a “Named Perils” policy. This means coverage applies only to specific risks, such as fire, theft, or water damage. Due to limited year-round occupancy, undetected issues, like a burst pipe, can lead to extensive damage. Insurers account for these risks when designing policies, which can also include coverage for detached structures and personal liability.

Available coverages

• Contents Coverage: Due to the fact that some cottages are used on a part-time basis, owners keep the contents inside in between stays. Most are permanent additions that reside there all year round. This coverage will protect the contents that remain in your cottage permanently in case they are ever compromised.
• Detached Private Structures Coverage: This coverage protects detached structures on your property, such as a garage, tool sheds or a boathouse. This is a reasonable part of your coverage, should you own any of the above structures.
• Watercraft Coverage: Should you own a boat, jet ski, canoe, or rowboat, they too can be protected under a cottage insurance policy. Details regarding this coverage vary and can be better explained by a licensed professional.
• Personal Liability Coverage: Should you be at fault for personal injury to a person or property damage, this will cover your damages. For example, if an individual suffers a slip and fall at your cottage.

How it works

This insurance provides coverage for landlords renting out residential or commercial properties. Policies typically include protection against physical damage to the building, liability for tenant injuries, and financial support if rental income is disrupted. Additional coverage options, such as legal assistance, can help landlords handle disputes or eviction-related matters.

Available coverages

• Rental Guarantee: Covers lost income if a tenant stops paying rent.
• Property Damage: Protection against fire, water damage, and vandalism.
• Landlord Liability Insurance: Covers legal costs if a tenant or visitor is injured.
• Legal Assistance: Support for disputes, evictions, or contract enforcement.

How it works

Unlike Landlord Insurance, which primarily covers structural damage and lost rental income due to insured events, Rented Dwelling Insurance provides a broader range of protection. It functions similarly to Home Insurance but includes additional coverage tailored to rental properties.

Available coverages

• Dwelling Coverage: This type of coverage will pay for covered repairs or reconstruction of the dwelling and other structures on the same property.
• Liability Coverage: This type of coverage protects you financially against costly liability lawsuits if you’re responsible for any damages or injuries to someone else or their property. For example, if your tenant has a slip and fall accident while in your rental property, liability coverage will protect you, should there be legal action for damages.
• Loss of Rent Coverage: This type of coverage will reimburse you for fair rental value if your rental dwelling has been damaged by an insured loss that causes the property to be uninhabitable.
• Property Coverage: This type of coverage protects for covered losses to your property located at your rental dwelling, such as furniture and other personal property rented with or used to maintain your property.

How it works

If your downpayment is less than 20% of the home’s purchase price, you’re typically required to get Mortgage Default Insurance. This protects the lender if you stop making payments. You pay the premium upfront or add it to your mortgage.

Available coverages

• Mortgage Default Insurance: Required for high-ratio mortgages (less than 20% down). Protects the lender, not the borrower.
• Mortgage Life Insurance: Pays off your mortgage if you pass away. Protects your family from inheriting mortgage debt.
• Mortgage Disability/Critical Illness Insurance: Covers your payments if you become disabled or critically ill and can’t work.

Each of these is optional (except the first one when mandated) and offered through banks, insurers, or as part of your mortgage agreement.

How it works

Tenants Insurance covers your personal belongings, such as furniture, electronics, and valuables, in case of events like fire, theft, or water damage. It also provides liability coverage if you’re held responsible for damages or injuries to others. Additionally, if your rental becomes uninhabitable due to a covered loss, the insurance can help with extra living expenses like hotel stays or rent.

Available coverages

• Personal Property Coverage: Covers up to $100,000 for personal belongings, helping pay to repair or replace your belongings after a covered loss, such as theft or fire.
• Additional Living Expenses Coverage: Up to $30,000 coverage for any additional and necessary expenses, such as rent, should you be displaced, depending on the circumstances.
• Personal Liability Coverage: Up to $2 million in coverage for legal expenses if you’re found responsible for an accident in or out of your rental home that results in bodily injury or property damage.
• Affordable Premiums: Starting at $17 per month with additional limits available for jewelry, computers and pets or any other scheduled valuables you may have in possession of the rented space.
• Applicable to Multiple Living Situations: Covers individuals in single-family homes or up to two roommates sharing a living space.