Home Insurance

How much is the right amount?

When it comes to insurance we want you to have the right amount of insurance. The first step is to calculate the replacement cost of your property. With that value as the base, we can discuss many available options, including types of coverage, deductible options, and ensure that you have access to all eligible discounts.

Home Owners Insurance

Home owners insurance covers your dwelling, outbuildings, personal property, and personal liability coverage for you and your property. Coverage is also provided for Lost Rental Income and Increased Living Expenses that result from an insured loss. There are limits imposed on specific personal property items such as jewelry, which may be increased at your request. Other personal items such as boats and ATVs are not included as personal property and must be added if you wish to have insurance coverage.

Tenant’s Insurance

Tenant’s insurance covers your personal property and provides you with personal liability coverage. There are limits imposed on specific personal property items such as jewelry, which may be increased at your request. Other personal items such as boats and ATVs are not included as personal property and must be added if you wish to have insurance coverage.

Condo Insurance

Condo insurance covers your personal property and provides you with personal liability coverage. This insurance also provides coverage for improvements to the condo unit that you have made and contingent coverage for the building. There are limits imposed on specific personal property items such as jewelry, which may be increased at your request. Other personal items such as boats and ATVs are not included as personal property and must be added if you wish to have insurance coverage.

Rental Property

Rental property insurance covers the building, personal property at that location, and liability for that property.

Cottage & Seasonal

Cottage or seasonal home insurance covers the building, personal property at that location, and liability for that property. There are limits imposed on specific personal property items such as jewelry, which may be increased at your request. Other personal items such as boats and ATVs are not included as personal property and must be added if you wish to have insurance coverage.

Optional Insurance Coverage

Optional Coverages are available for personal items that are not included with any of the above policies or where limits are imposed on specific personal property items. Liability coverage for boats, personal watercraft, and ATVs is available as an optional coverage.