Homeowners Insurance

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Additional info

What's covered?

  • Your home's structure and other structures on your property

  • Your personal property

  • Additional living expenses if you can't stay in your home after a covered loss

  • Your liability if someone trips on your property or files an injury lawsuit against you

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

What is not covered?

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

There are discounts available

  • Multi-policy discount (packaging with auto)

  • New buyer discount

  • Alarm discounts

We can also help with secondary homes and seasonal homes.