Home insurance that keeps up with your home
Rebuilding costs have climbed sharply. We make sure your home is insured for what it would cost to rebuild today, and we find coverage for older and harder-to-place homes.
How we help with home insurance
The question we hear most is simple: if something happened, would my policy actually cover it? For many families the honest answer is that their coverage has not kept pace with rising construction costs.
We review your home, its updates and its contents with you, then compare policies from insurers such as Aviva, Intact, HD Mutual and Pembridge. When a home has older wiring, plumbing or a roof that needs attention, we know which insurers will look at it and what they will ask for.
What a home policy covers
- Your dwelling
- The structure of your house and attached features, insured for its replacement cost rather than its market value.
- Your belongings
- Furniture, clothing, electronics and other contents. Jewellery, bikes, collections and other special items may need extra coverage.
- Personal liability
- Protection if someone is hurt on your property or you accidentally damage someone else’s. We recommend $2 million.
- Additional living expenses
- Hotel, meals and other extra costs if a claim leaves your home unlivable while it is repaired.
- Water damage options
- Sewer backup, overland water and service line coverage are often optional. They are some of the most important add-ons in Waterloo Region.
- Detached structures
- Garages, sheds and fences on your property.
Homes we help with
Every situation is different. These are difficult situations we can help with.
Older homes
Knob-and-tube or aluminum wiring, fuse panels, galvanized plumbing and older roofs. We tell you what insurers will ask about and which updates make the biggest difference.
Hard-to-place homes
If another company has declined you, we can approach insurers that specialize in homes outside the standard box.
Homes with a wood stove or pool
We help with the inspections and details insurers need, such as a WETT inspection for a wood-burning appliance.
Home-based businesses
Most home policies exclude business activity. We make sure your work-from-home business is covered properly.
Brokers who handle home insurance
Every one of our licensed brokers can help. Call and whoever answers will look after you, or ask for someone by name.
Insurers we compare
Home insurance questions
Have a question that is not here? Call 519-623-7031 and ask a broker.
Should my home be insured for its market value?
No. Insure your home for what it would cost to rebuild, not what it would sell for. Land value is not part of a rebuild, but construction costs have risen sharply, so rebuild cost can be higher or lower than market value. We can help you estimate it.
Is flood damage covered?
Standard policies do not always include water entering from outside or backing up through drains. Sewer backup and overland water coverage are usually optional endorsements. We will tell you exactly what your policy includes.
Why does my insurer ask about my wiring, plumbing and roof?
The age and type of these systems are some of the biggest predictors of fire and water claims. Having the years they were last updated ready makes your quote faster and more accurate.
Can you insure a home another company declined?
Often, yes. We work with standard and specialty insurers and can usually find an option, sometimes with conditions such as an electrical update within a set time.
Related coverage
Auto insurance
Cars, trucks and SUVs. New drivers, multi-vehicle households and drivers with a claim on their record.
Condo insurance
Your unit, your upgrades and the costs your condo corporation can pass on to you.
Rental property insurance
For landlords: the building, your liability and lost rent while repairs are made.
This page is general information about home insurance in Ontario. Your coverage depends on your policy wording. Coverage cannot be bound or changed by email, voicemail or web form. You must speak directly with a licensed broker.