Home Insurance faqs

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

Every home is different, so that's hard to answer. Many factors will affect how much you pay for home insurance: the square footage, location and when the house was built...

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...

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....

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...

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...

Yes, but there are some stipulations. It’s always best to have someone you trust check your home while you are away. During the heating season, we recommend having some...

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

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...

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...

Most insurance carriers offer digital pink slips. Your broker can send this to you via email. For Intact Insurance customers with personal insurance With the Intact...