Home Insurance faqs

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Is home insurance mandatory in Ontario?

Home insurance is not mandatory in Ontario. However, if you're taking out a mortgage, many banks require you to have home insurance.

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What should I look for when buying home insurance?

One of the most important things to look for when buying home insurance is guaranteed replacement cost. This is an evaluation that takes into account how much it wo...

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Will my home insurance cover claims for my home-based business?

Home insurance does not cover claims which relate to the business. For this reason, it is important home-based business owners get insurance which meets their business needs....

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Am I covered if I operate my business out of my home?

Depending on the nature of your home-based business there are two coverage options available to you. A home business extension can be added to your current home insurance pol...

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Does my home insurance cover if someone slips on my front sidewalk?

Yes. Your homeowner’s policy covers you for incidents of liability in-and- around your property subject to the bylaws of your city. You can be proactive by properly rem...

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Does my home insurance cover if someone steals my luggage while I'm on vacation?

Yes. Your homeowner’s policy covers your possessions anywhere in the world for insurable losses.

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Does my home insurance cover if I renovate my home?

No, your policy does not automatically cover work being done to your home. You should speak to an insurance broker prior to beginning any home renovations to ensure your insu...

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Does my home insurance cover if I experience a flood?

No. flooding is excluded under home insurance and property insurance policies. If you are worried about flooding at your property, speak with an insurance broker to discuss y...