Home Coverage

Home rates can vary significantly by insurance company. As a broker, we are able to shop numerous insurance companies for you to find the best price and coverage. Home insurance rates are affected by:

The location of your home

Your home itself

Additional coverages

Deductibles: portion of a claim you agree to pay

Your Personal Insurance Policy offers protection for the following:

Home, Mobile Home and Related Structures

  • Household contents and personal property (either Broad Named Perils or All Risk Protection)
  • Personal liability protection
  • All Risk Coverage for your home and structures on your property

Additional Coverages:

  • Additional Living Expenses
  • Built-in Inflation Protection
  • Credit Card, Bank Card Coverage
  • Fire Department Charges
  • Home Freezer & Food Spoilage Coverage
  • Identity Fraud Expense Coverage
  • Replacement Cost Contents

Optional Coverages**

  • All Risk Boats and Motors
  • All Risk coverage for Computer Equipment
  • All Risk Fine Arts
  • All Risk Scheduled Items (i.e. jewellery, furs)
  • Earthquake Coverage
  • Guaranteed Replacement Cost on Building
  • Home Business Coverage
  • Home Day Care Coverage
  • Home Equipment Breakdown
  • Increased Liability Limits
  • Limited Sewer Backup Coverage
  • Personal Cyber Protection
  • Secondary and Seasonal Residences
  • Service Line Coverage
  • Short Term Rental Coverage
  • Special Limits Enhancement*
  • Water Defence Coverage

* Available on qualifying risks
** Some coverages may not be available in all areas.

Please contact our office at 780-986-3429 to help you choose the best coverage and additional options to suit your needs.

Home Insurance Tips

  • If you choose to make significant changes or additions to your property, contact our office. Full disclosure of all details of the risk is needed in order for your insurance to be effective.
  • If you decide to use your property for commercial purposes, full disclosure of all details is necessary. Additional coverage will be required to handle the additional exposure of a commercial operation.


How are my home insurance premiums determined?

     * The size and location of your home

     * Your home's age, structure, heating sources, age of updates, etc..

     * How many claims you've submitted in the past

     * Information about you (e.g. age)

What is a deductible?

A deductible is the amount that you agree to pay (out of pocket) for claims-related expenses before your insurance company pays for the remaining costs.

Let’s say there’s damage to your home and the total approved cost to repair those damages is $5,000. If you chose a $500 deductible when you purchased your policy, you would need to pay for the first $500 worth of expenses, and your insurance company would cover the remaining $4,500.

TIP: Choosing a higher deductible will lower your insurance premium. Just be prepared to pay for any costs up to that deductible amount when you need to make a claim.

When do I need to update my policy?

We recommend reviewing your policy at least once a year, but there are certain times when you’ll need to contact your broker to officially update it:

  • When your address has changed
  • When you’re renovating or planning a construction project
  • If you’re starting a home-based business
  • When you acquire valuable belongings that require additional coverage
  • If your home becomes vacant
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