Ontario Home Insurance
Be sure you are getting the best rate
for your home, condo or tenants insurance policy. Insurance rates
vary dramatically from insurance company to insurance company.
To ensure you are not over paying for
you home, condo or tenants insurance do your own rate search.
Go to the "Insurance Quotes" page for an
instant online quote.
Home insurance insures you as a homeowner, tenant or condo owner.
It also provides liability coverage, in case someone sues you for
injuries or damages.
It also covers your contents, whether on the property or
temporarily outside of your property. As an example, if someone
breaks into your car to steal your laptop or camera, coverage is
with your property insurance policy, not your auto insurance policy.
A common myth is that tenants don't need to get insurance because
the landlord's insurance will cover their contents. Believing this could cost you
the cost of replacing all of your contents, as most tenant policies
include guaranteed replacement.
Although coverage can vary from company to company, there
are three types of policies:
Standard Policies - Provide protection for your
dwelling and contents against certain named perils such as
lightning, hail, windstorm, specific types of water damage.
Theft may be included or be available as an option.
Broad Form Policies – Provide “all risk”
coverage to your dwelling and named peril coverage to your
Comprehensive Policies – Provide “all risk”
coverage to your dwelling and contents
Note that “all risk” coverage means that a loss is covered,
unless it is specifically excluded.
Some common exclusion include: acts of terrorism, war, mold
or mildew, flooding and poor construction.
Speak to a licensed insurance broker and save even more dollars
by combining your auto and home insurance with the same insurance
company. Check that all
available discounts are included.
Shop and compare. Let
InsuranceHotline.com find the best rate for you.
Insurance is the same product throughout the province, as it
is highly regulated by the provincial government.
The only difference is your rate.
Are you paying too much?
Quick Links To Getting Your
To get a Canadian Home, Condo or Tenant's quote, click here.
To get a USA Home, Condo or Tenant's quote, click here.
To get a UK Home, Condo or Tenant's quote, click here.