Homeowner’s Insurance
Whether it’s your first home or your dream home, buying a house is a huge investment. That’s why it’s important to protect your assets with homeowner’s insurance.
Building the perfect plan for you
The coverage you need
Our coverage options ensure every corner of your home is protected—from your living room to your garden shed. We’ll also put your mind at ease with personal liability insurance and cover for identity theft.
Boost your homeowner’s insurance with optional coverages
We can personalize your policy to suit your specific needs; from enhanced water coverage* to special protection for your home business. Browse our additional coverage options below.
Perks that make you feel at home
Enjoy these extra benefits with your house insurance:
24/7 Claims
Whenever you need us, we’ll be here to help. All day, every day.
50+ Plan
If you or your spouse are 50+, you could qualify for extra services: nursing, companion, housekeeping after a hospital stay, and home repair referral services.
Ready to get a home insurance quote?
It all starts with your home. You can get a quote on homeowner’s insurance within minutes online. Here’s the information you’ll need:
More than just homeowner insurance
We know that our coverage is just the beginning. We'll help answer your questions and give you the tips and tricks you need to protect your home.
How to prepare for the unexpected
Homeownership comes with many responsibilities, and ensuring your home is capable of withstanding significant weather events is one of them. It’s important to know the risks present in your area and take reasonable measures to prevent or avoid them wherever possible.
Snow & Ice Storms
For homeowners in Canada, cold temperatures, heavy snowfall and ice build-ups pose significant risks. Frozen pipes, water leaks and roof damage can easily occur if preparations are not made before the temperatures drop. Lack of preparation can lead to unexpected and costly repairs.
In order to prevent damage from snow and ice, it’s important to understand your home’s vulnerabilities. Roof collapse, roof or ice dams, and frozen pipes are the most common threats to homes during extreme winter weather. It is important to understand how to mitigate these risks, so make sure your roof, eavestroughs and pipes are always prepared for the cold snowy weather. If you’re not sure what to look for, a home inspector can help identify risks, offer up insights and provide solutions before disaster strikes.
In order to prevent damage from snow and ice, it’s important to understand your home’s vulnerabilities. Roof collapse, roof or ice dams, and frozen pipes are the most common threats to homes during extreme winter weather. It is important to understand how to mitigate these risks, so make sure your roof, eavestroughs and pipes are always prepared for the cold snowy weather. If you’re not sure what to look for, a home inspector can help identify risks, offer up insights and provide solutions before disaster strikes.
Severe Wind
As the global climate continues to evolve, factors like tornadoes and severe winds are becoming a more common threat to Canadians and their homes. For most homes, the common areas of impact are the roof, exterior walls and windows. It is important to understand where your home is susceptible to wind damage and what you can do to prevent it. Some simple steps you can take include removing debris from your yard, keeping eavestrough and household drains free of blockage, and that there are no dead or damaged branches on trees near your home.
In the event of high winds or tornados, damage can be caused by the force of moving air and flying debris. For this reason, it’s wise to find a home inspector who is familiar with your area and can recommend preventative measures. Ensuring that your home’s roofing, doors and siding are rated for severe winds and impacts is a great starting point, but there are several other factors to consider depending on where you live.
Flooding
High winds, unpredictable weather and rapid snow melt-offs can lead to unexpected flooding. It’s becoming increasingly important to know and understand the flood risks in your area and how your home may be affected. For this reason, it’s always best to be prepared for the unexpected and have an emergency plan in the event a flash flood strikes.
Getting to know your home and how to protect it can go a long way to saving time, money and frustrations down the road. Start by knowing what to do in the event of a flood—avoid touching electronic outlets, devices or appliances—and know-how to manage flood waters and sewage backups. Ensure you have a well-stocked and up-to-date emergency kit, an emergency plan and preparations for power outages. Also, know how to clean up after a flood and what your insurance plan covers.
Have questions? We're here to answer them
A home insurance policy usually includes your property (building, outbuildings and contents) and liability covers for the insured, including:
- You and your spouse
- Any person under 21 in your care
- Your relatives and your spouse's relatives
- Dependents living away from home temporarily to attend school, college or university
Building code and zoning law changes don't usually apply to existing buildings. However, if you suffer loss or damage to your dwelling, you may have to rebuild to current standards.
This coverage provides protection for new by-laws that would increase the cost of rebuilding or repairing your dwelling following an insured loss.
Although this coverage comes standard with some property policies, increased limits are available. Please connect with us to ensure that you have adequate coverage to protect you and your family.
Comprehensive coverage is just that—comprehensive. You get the most extensive level of contents protection and coverage is all-risk, so you’re covered for almost all instances of damage and loss (except for those perils specifically excluded on your policy).
Broad homeowners also includes all-risk coverage however, the coverage for your personal property is less extensive and specific to certain types of loss or damage, as listed on your policy.
We can help you choose the right coverage for your needs, just contact our friendly service specialists for more information.
Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident when you unintentionally injure another person or if they are accidentally injured on your property—even though you are not legally liable.
Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody's property—even though you are not legally liable. It can also cover loss or damage to someone else’s property caused intentionally by a minor child (12 years of age or under) in your care.
You don't have to be legally liable to use either of these coverage options, and there is no deductible.
We want you to know that we’re still here to support you!
Read more about our COVID-19 relief efforts and get answers to your most common questions through our COVID-19 page.
