How much Home Insurance Do I need?

The amount of home insurance you need depends on the replacement cost of your home (not market value), the value of your belongings, and your liability exposure. We'll help you calculate the right coverage limits based on your specific situation.

I'm Doing A Renovation, Am I Covered?

Renovations can affect your coverage. Major renovations should be reported to your insurer as they can impact your home's value and risk profile. We can help ensure you have proper coverage during and after your renovation project.

Is it cheaper to get home insurance through a broker in Ontario?

Often, yes. A broker compares rates from several insurance companies at once, so you see more of the market than any single company can show you. Brokers are paid by the insurer, so there is no fee for the service. Just as important, a broker matches the coverage to your home rather than fitting your home to one company's product, which is where expensive gaps tend to hide.

Home Insurance Broker in Ontario

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.

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What Your Policy Covers

Home & Structures

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.

Your Belongings

Covers your contents like furniture, clothing, electronics, and appliances. Extra coverage may be required for jewellery, high-end bicycles, cameras, musical instruments, or artwork.

Liability

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.

What Impacts Your Premium

Home details

Year built, square footage, construction type, and whether the basement is finished.

Key updates

Roof age, electrical, plumbing, heating, and water heater age.

Location and protection

Area loss trends, fire protection, and exposure to water (stormwater, drainage, prior water issues).

Claims history and deductible

Prior claims and the deductible you choose. A higher deductible can lower premium but increases out-of-pocket during a claim.

Home details

Year built, square footage, construction type, and whether the basement is finished.

Key updates

Roof age, electrical, plumbing, heating, and water heater age.

Location and protection

Area loss trends, fire protection, and exposure to water (stormwater, drainage, prior water issues).

Claims history and deductible

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?

We'll make sure the details are right.

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.

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Essential Added Coverages

Sewer Backup Coverage

Provides coverage for water backing up from sewers, sump pumps and drains. This is a highly recommended coverage especially with finished basements.

Overland Water

Water can come up from your drains, but it can also come from above ground. This includes heavy rain, snowmelt or rivers & lakes overflowing.

Service Line & Bylaws Coverage

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.

Sewer Backup Coverage

Provides coverage for water backing up from sewers, sump pumps and drains. This is a highly recommended coverage especially with finished basements.

Overland Water

Water can come up from your drains, but it can also come from above ground. This includes heavy rain, snowmelt or rivers & lakes overflowing.

Service Line & Bylaws Coverage

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.

More Coverage Options to Consider

Common add-ons when your home setup or lifestyle creates extra exposure. These are not always needed, but they're worth reviewing.

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Home Based Business

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Home Based Business

More and more people run their business at home. Don't get caught with coverage denials due to non-disclosure of business operations.

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Identity Theft and Cyber

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Identity Theft and Cyber

Protects your family from online fraud, hacked accounts, cyberbullying and identity theft.

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Scheduled Valuables

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Scheduled Valuables

Extra coverage may be required for jewellery, high-end bicycles, cameras, musical instruments, or artwork.

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FAQ

Frequently Asked Questions

How Can I Save on Home Insurance?

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.

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Related Coverage

High Value Home Insurance Cottage Insurance in Ontario Landlord & Rental Property Insurance in Ontario

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Summer in Clarington brings a welcome shift to warmer weather, outdoor community markets, and weekends spent along the Lake Ontario waterfront. However, the transition from spring thaw to summer heat introduces specific environmental pressures to residential properties across our region. Whether you are a long-time resident or part of the growing wave of young professional families moving east along the Highway 401 and 407 corridors to buy your first single-family home, proactive seasonal maintenance is key to safeguarding your investment.

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Why Your Standard Home Insurance Policy Might Leave You Under Water

It’s a story we see far too often across Ontario. A heavy summer storm hits Durham Region, municipal sewer lines overwhelm, and raw sewage backs up through a basement floor drain. A local homeowner recently assumed their comprehensive property policy would handle the clean-up. Instead, they discovered a crushing detail in their policy’s fine print: their insurance provider had capped their sewer backup coverage at just $20,000.

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Every Year, We're In Your Corner: The Roughley Renewal Review

Life in Durham moves fast. From new drivers to home renos, your needs change every year. At Roughley, we don't just send a bill. We perform a dedicated Renewal Review to ensure your coverage is as hardworking as you are.

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Does Home Insurance Cover Roof Leaks? What's Covered in Ontario

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.

May 26, 2024Read More

Does Home Insurance Cover Renovations in Ontario?

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.

Mar 22, 2023Read More

What Is an Insurance Broker? How Ontario Brokers Work for You

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.

Jan 28, 2023Read More