Home Insurance
There’s no place like home – which is why having the right insurance protection really matters.
Home insurance offers protection for unexpected or accidental damage to your home and/or your belongings.
There’s no place like home – which is why having the right insurance protection really matters.
Home insurance offers protection for unexpected or accidental damage to your home and/or your belongings.
Home Insurance goes beyond just protecting your dwelling. It extends its shield to cover detached structures on your property, such as garages, gazebos, or fences. Make sure you're covered by selecting the coverage that fits your needs. We're here to guide you!
Your personal belongings, from furniture to clothing, are valuable. Home Insurance provides coverage for your possessions, giving you peace of mind knowing that your cherished items are protected in case of theft, fire, or other covered events.
Home insurance premiums tend to rise over time due to a combination of key factors:
Extreme Weather Events: Hurricanes, wildfires, floods, and severe storms are happening more often—and causing billions in insured losses each year. As claims increase, insurers must adjust premiums to keep up with the growing risk.
Inflation & Supply Chain Issues: The cost of building materials and skilled labor has surged due to inflation and supply chain disruptions. This drives up the cost of home repairs and rebuilds, which means insurers are paying out more.
Aging Infrastructure: Older homes and infrastructure are more vulnerable to damage and often more costly to repair or upgrade.
As rebuilding costs rise, insurance payouts rise—and that directly affects your premiums. If you have questions about your policy or want to explore ways to save, we’re here to help. Here are some easy ways you can control your rate:
Insurance for Outbuildings Garages, Sheds, and other structures are typically covered for 10–15% of your home's insured value. If you have larger or uniquely constructed outbuildings, talk to us about increasing your coverage.
Swimming Pool and Hot Tub coverage may be limited for damage from freezing or collapse. A 5-foot locked fence is typically required, and we recommend increasing your liability coverage to protect against injury claims.
Home Rentals or Changes in Occupancy Whether you're listing on a platform such as AirBNB, or renting long-term, let us know. Insurance can be voided by changes in occupancy - it's important to report these changes.
Owning or Operating a Business If you have a home-based business that generates self-employed income, you should discuss your insurance needs with your broker. Additionally, farming and ranching poses an additional liability risk and must be reported. Running an operation without disclosure to your insurance company may void your personal insurance policy.
Special Limits of Insurance apply on most policies for bicycles, boats, landscaping, jewellery, artwork, collectables and other high value items. These types of investments should be listed on your policy so that they are insured to proper value.
Did you know that water damage is one of the leading cause of claims? Talk to us about your coverage for water damage, including: Sewer Backup, Overland Water, and Ground Water coverage.
Environmentally Enhanced Coverage Some companies now provide coverage which will offer home upgrades and enhancements to make your home stronger, or more environmentally friendly, following a claim.
Solar Panels should be reported and noted on your policy so that they are properly covered.
Service Line Coverage Most companies now provide coverage for service lines. Service lines may include piping, wiring, valves or attached devices, such as water, power, data and communications brought into your home (when the damage is on your property).
Bylaw Coverage provides coverage for the additional cost of demolition, construction or repair of the dwelling to comply with by-laws or building code requirements. Identity Theft & Cyber Protection covers the cost associated with the restoration of your identity, in claims resulting from fraud or identity theft.
Have you renovated, upgraded, or made any changes to your home since your last policy review? Whether it’s a new roof or a basement reno, your coverage should grow with your home. Some improvements might even lower your premium — let’s make sure you're fully protected.