Home
Homeowner insurance, matched to the house you actually own
Rebuild costs, water risk, and liability exposure differ house to house. We compare homeowner policies across our carriers so your limits reflect your property, not a generic template.
What a policy typically covers
- Dwelling
- The cost to repair or rebuild your home after an insured loss such as fire, wind, or hail — ideally on a guaranteed replacement cost basis.
- Contents
- Furniture, clothing, electronics, and personal belongings, with special limits on jewellery, bicycles, and collectibles worth reviewing.
- Personal liability
- Legal defence and damages if someone is injured on your property or you accidentally damage someone else's, typically $1M or $2M.
- Additional living expenses
- Hotel, meals, and other costs while your home is uninhabitable after a covered claim.
Options worth asking about
- Overland water and sewer backup endorsements
- Guaranteed replacement cost on the dwelling
- Scheduled riders for jewellery, art, and instruments
- Home-based business extensions
- Detached structures: garages, sheds, fences
- Claims-free and disappearing deductible options
Request a home quote
Tell us a little about what you need and a licensed broker will come back with options.
Not sure which coverage you need? Call us and we'll walk through it.