Property coverage
Property insurance that pays out properly.
Rebuild cost, sewer backup and overland water are the three things most homeowners learn about after the fact. We go through them first.
What we place
Everywhere you live, or rent out.
Home insurance
The policy most people never read until they need it.
See coverageCondominium insurance
What the corporation does not cover is your problem.
See coverageCottage and seasonal
A second property is not a second bedroom.
See coverageHigh value homes
Standard limits stop being enough.
See coverageTenants and rentals
For renters, and for landlords.
See coverageWhat it costs
What actually moves the price.
Property premiums follow what it would cost to rebuild and how likely a claim is. Neither has anything to do with what the house would sell for.
Rebuild cost
What it costs to put the building back at current construction prices, which is the figure the policy actually pays on.
Age of the systems
Roof, wiring, plumbing and heating. Updating any one of them can move the premium.
Water exposure
Sewer backup and overland water are priced separately, and vary street by street.
Claims history
Yours, and sometimes the property’s. Water claims count against an address harder than most people expect.
Common questions
Asked most about property.
Is flooding covered?
Not by default. Sewer backup and overland water are separate endorsements on almost every Canadian policy. We go through both with you rather than leaving you to find out later.
What if my house is worth more than it is insured for?
Market value and rebuild cost are different numbers. Rebuild cost is the one your policy pays on, and construction costs have moved a long way in a few years.
Does working from home change anything?
It can. A home office with client visits, stock or equipment often needs an endorsement or a small commercial policy alongside.
Let us see what you should be paying.
Free, no obligation, and no one will call you fourteen times.