HOME INSURANCE
Home insurance premiums are mainly based on the “Replacement Value” of the dwelling (ie: the cost to rebuild a similar home on the same site, using similar quality materials). But there are many other factors which affect the cost of insurance including:
– location of the home and fire and burglary protection;
– condition of the dwelling especially if over 25 years old;
– other exposures such as businesses in the home, rental suites, occupancy,
– personal information of the owner and occupants such as age, occupation, claims history, etc.
If you are just shopping around and wish to compare prices with your existing insurance, please provide us with details of your current policy or recent quotes so we may present you with an “apples to apples” comparison.
If you are buying insurance for the first time and need a quote, we can provide a basic quote based on information from a real estate listing; or click here for the short questionnaire Home QUICK QUOTE.
If you would like a detailed quotation, we’ll require information about the home (such as square footage, number of bathrooms, type of flooring, etc. ). The entire questionnaire takes about 10 minutes to complete. Please call us for more information.
CONDOMINIUM INSURANCE
The premium is mainly based on the “Replacement Cost” value of your personal belongings (furniture, clothing, kitchenware, electronics, sporting goods, etc.) and other factors such as the type of building (frame or fire-resistive), fire and burglary protection, and personal information (ie: age, occupation, and claims history of owner)
For a Quick Quote, click here for the short questionnaire CONDO Quick Quote Questionnaire (doc file).
TENANTS INSURANCE
The premium is mainly based on the “Replacement Cost” value of your personal belongings (furniture, clothing, kitchenware, electronics, sporting goods, etc.) and other factors such as the type of building (frame or fire-resistive), fire and burglary protection, and personal information (ie: age, occupation, and claims history of owner)
For a Quick Quote, click here: TENANT Quick quote (doc file)
Right click link and select “save target as” (Internet Explorer) or “save link as” (Firefox)
RENTAL/SEASONAL AIRbnb HOME INSURANCE
The insurance for Rental and Seasonal homes covers the major appliances, liability and rental income. It may also cover the dwelling. Premiums are based on dwelling and contents values, frequency of occupancy, and other factors. Please call for a quote.
Coverage for homes or condominiums used for AIRbnb or other short-term rentals is available. Please call us for more information.
