HOME INSURANCE

Your home is one of the most significant investments, which is why protecting it with the right insurance is essential. When it comes to purchasing your insurance, we do the shopping for you to ensure that you will receive the best insurance policy at the best rate.
As your broker, we have access to a wide variety of insurance markets that allow us to tailor your policy to your specific needs. Some of the items we will review and make recommendations on your home insurance policy are:

Coverage Limits

It is essential to consider your limits of coverage on your home, garage, sheds and your personal property every year to ensure you have adequate coverage.

Special Limits

Certain items on your insurance policy carry special limits of insurance (a maximum amount of coverage). We review these limits to ensure you have enough coverage and, if not, give you the option to purchase an adequate limit. A few items that would fall into this category would be – Jewelry, bikes, collectables, etc.

Liability Limit

Your liability coverage on your policy will cover you for acts that you are found legally liable for, this can include accidentally injuring someone or damaging their property. In the past years, it was common to have a limit of $1,000,000, but more recently, we recommend to increase the limit to $2,000,000 or more. The price to increase your liability is quite affordable, especially considering the amount of coverage it is providing.

Other Coverages

A few other coverages that we will review and discuss with you are sewer backup coverage, enhanced water damage coverage (overland water/seepage), cyber coverage, home equipment breakdown and even your deductible. If you are interested in a comprehensive, no-obligation review of your home insurance policy, get in touch with us today. We look forward to reviewing your options with you.