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Home Insurance

We’ll take you from home insurance shopping to home stretch

Our Specialists can help you navigate the different coverages available to make informed decisions on what you want and need. You can even shop select home insurance products online and get covered in minutes. Simple. Fast. Secure. It’s the hat trick of insurance shopping online.

Why do you need home insurance?

Your home is probably the largest single investment you’ve ever made. We’re here to help you understand the details so you can make an easier, informed decision. 

For starters, did you know homeowner insurance covers the actual structure of your home, and protects the things you keep inside it? Bottom line? Home insurance can get complicated. Here are just a few of the reasons why:


It shields you from liability. If a lawsuit arose from an injury on your property, your homeowner’s insurance could protect you from any resulting legal responsibility.

Mortgage lender

Your mortgage lender probably requires home insurance that meets certain limits to receive financing from them. Since your lender technically owns your home until all payments are received, they want to protect their financial interest from loss.

Renters need it too

If you rent your home, your stuff isn’t covered under your landlord’s policy. Tenant insurance will protect your belongings and provide coverage if you accidentally cause harm to someone else or their property. It’s not required by law, but your landlord may require it as part of your rental agreement.

Different kinds of damage protection

Not every policy covers the same losses, but here are just a few of the common losses that home insurance can cover:

  • Additional living expenses incurred when you cannot stay there during damage repairs

  • Liability (injury) protection

  • Theft and vandalism

  • Damage to personal belongings within the home, like furniture or electronics

Make home insurance work for you.
Not the other way round.

Searching for home insurance can be a bit overwhelming. But it doesn’t have to be. We help make this search easier, and we’re ready to help when you need us. We even offer select home insurance products online, like tenant or cottage coverage, so you can get covered from your couch in minutes.

Not every home insurance policy is the same. But standard coverages include:

Father embracing his son on a front porch

Liability Coverage

Protects you for accidental injuries or damage to you or someone else in your home.

Personal Property Coverage

Also known as Contents Insurance, this protects basically anything you own that you could pack up and move with you to a new home. These are covered, even when they’re temporarily outside of your home, like in your car.

Additional Living Expense Coverage

Provides financial assistance while your home is being repaired if you are unable to live there and need to stay somewhere else.

Your homeowner insurance should be as unique as you are

Every situation brings a unique set of factors that will impact the cost of your home insurance policy. Did you know a homeowner’s policy can insure your child’s belongings while they attend post-secondary school, or your parents’ belongings if they’re in a retirement or nursing home?

Also remember every policy has maximum amounts it will pay if you experience a covered loss and make a claim. In most situations, you will also pay a deductible before your home insurance policy kicks in and starts to pay for a covered loss. 

Understand your deductible and coverage limits – you can usually adjust them to match your current needs. We can help make sure your policy limits are enough to cover the property you are protecting:

Replacement cost limit

Your guaranteed replacement cost limit should reflect your home’s value if you had to rebuild it completely.

Content limit

Your content limit should reflect the cost to repair or replace your belongings in case of accidental damage.

Liability limit

Your liability limit should reflect how you use your home–like how often you have guests over, or how many family members you live with.

Special limit

Applies to certain belongings like expensive jewelry, collectibles, bikes or even money or gift cards. A maximum value will be covered.

Look, it’s a lot. No doubt.
But we’re here to make this simpler for you.

We use our knowledge of the home insurance landscape and your specific situation to help you make an easier, more informed decision when it comes to these options and your needs.

We can discuss what affects your premiums and shop the market for you to ensure you get the best coverage at the best rate possible. Period.

Get a Quote


We love our clients.
Turns out, they love us too.

  • Thank you for making it uncomplicated and quickly carried out.

    Marilyn K.

  • Friendly, fast, and very informative assistance.

    Ruth N.