Family. Memories. Your most valuable asset. We're real people who care about the details, so you can rest easy knowing you have the right coverage at the right price.
The house itself and anything attached to it like a garage or deck, what we call the dwelling. There's also coverage for detached structures like a shed, pool house or detached garage.
Covers your contents like furniture, clothing, electronics, and appliances. Extra coverage may be required for jewellery, high-end bicycles, cameras, musical instruments, or artwork.
Nobody expects to get sued - but life happens. Liability covers injuries or damage you might accidentally cause. From a guest slipping on your property to damage that happens away from home, your liability protection follows you worldwide.
Year built, square footage, construction type, and whether the basement is finished.
Roof age, electrical, plumbing, heating, and water heater age.
Area loss trends, fire protection, and exposure to water (stormwater, drainage, prior water issues).
Prior claims and the deductible you choose. A higher deductible can lower premium but increases out-of-pocket during a claim.
Year built, square footage, construction type, and whether the basement is finished.
Roof age, electrical, plumbing, heating, and water heater age.
Area loss trends, fire protection, and exposure to water (stormwater, drainage, prior water issues).
Prior claims and the deductible you choose. A higher deductible can lower premium but increases out-of-pocket during a claim.
Want peace of mind with a policy that holds up in a claim?
Send your address and any details you have on your home (year built, square footage, roof age, major updates, and prior claims). If you're missing information, don't worry - we'll walk you through it.
Provides coverage for water backing up from sewers, sump pumps and drains. This is a highly recommended coverage especially with finished basements.
Water can come up from your drains, but it can also come from above ground. This includes heavy rain, snowmelt or rivers & lakes overflowing.
Bylaws covers increased costs to rebuild to comply with today's building codes. Service line pays to repair or replace the damaged portion of the existing buried lines.
Provides coverage for water backing up from sewers, sump pumps and drains. This is a highly recommended coverage especially with finished basements.
Water can come up from your drains, but it can also come from above ground. This includes heavy rain, snowmelt or rivers & lakes overflowing.
Bylaws covers increased costs to rebuild to comply with today's building codes. Service line pays to repair or replace the damaged portion of the existing buried lines.
Common add-ons when your home setup or lifestyle creates extra exposure. These are not always needed, but they're worth reviewing.
Our team is with you every step of the way, year after year assessing which discounts you qualify for. Common ways to reduce premium are: choosing a higher deductible, bundling with auto or other lines, installing home security systems or alarmed sump pumps, and keeping your building systems updated.
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Get personalized advice and a quote tailored to your specific needs.
A windstorm rips shingles off your roof and rain pours in. A February ice dam sends water streaming down your bedroom wall. Your 25-year-old roof starts leaking during a routine spring rain. One of these claims gets paid. One is a grey area. One gets denied. Here's how Ontario home insurance actually handles roof leaks.
Your standard home insurance policy was designed for a finished, occupied house, not an active construction site. Here's what Ontario homeowners need to know about coverage gaps during renovations, the underinsurance trap that follows them, and how claims actually get handled when things go wrong mid-project.
An insurance broker is a licensed professional who works for you, not an insurance company. In Ontario, brokers are regulated by RIBO and can shop your coverage across multiple insurers to find the right policy at the right price.
