Wang Insurance

Homeowners Insurance

Homeowners Insurance Quote
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Alarms
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Additional Info

Whether you're at home or away, you want to make sure your home, liability, and personal belongings are protected.

What are you covered against?

In a standard homeowners policy (also known as an HO3), your home and belongings will generally be protected by:

  • Fire and lightning
  • Wind
  • Smoke
  • Explosions
  • Aircrafts
  • Vehicles
  • Smoke
  • Theft and vandalism
  • Falling objects
  • Dwelling

A standard homeowners policy will not cover against earthquakes or flood. Other exclusions can include mold, wear and tear, and vermin.

What's typically covered?

  • Dwelling – you want enough coverage to rebuild your home if it gets damaged after a covered loss (i.e. a fire or windstorm).
  • Other structures – this is usually a default % of the dwelling, covering a shed or carport.
  • Additional living expenses – this will help cover temporary living expenses if you need to relocate after a covered loss.
  • Personal property – covers your belongings, whether in your house, in your car, or on the go.
  • Liability – helps cover your legal liability if you are sued (i.e. someone trips in your driveway).
  • and more...

There are discounts available

  • Multi-policy discount (packaging with auto)
  • New buyer discount
  • Alarm discount

We can also help with secondary homes and seasonal homes.