Not all policies are equal. All too often we hear stories about people being sunk by low water damage limits. Or a single limit policy that leaves people out in the cold when there’s not enough to pay for full replacement cost or additional living expenses. Our comprehensive homeowner policies get you the coverage you need for a competitive price. Some of our features include:

  • Guaranteed building replacement cost – In the event of a loss we’ll make sure you’re home is rebuilt just the way it was regardless of increasing construction costs.
  • Replacement cost on contents – Most you for stuff isn’t worth now what you originally paid for it. But if something happens you’ll have to replace that 5 year old flat screen TV with a new one, something not all policies allow for.
  • Jewelry & special limits – Is that new engagement ring covered? Maybe not with a standard policy.  We have higher base limits on things like jewelry and can increase or add extensions if needed.
  • Water – One of the most quickly changing types of coverage in Ontario. We have water damage, sewer back-up, and overland flood coverage with higher limits available.
  • Discounts – can be packaged with auto insurance as well as deep discounts for mortgage free individuals, age, claims free and more!