Home Insurance

Choose between Broad & Comprehensive coverage. Get a policy that protects your assets, including dwelling, personal property, and liability.

Renter Insurance

Protect your belongings and secure essential liability coverage. Our renter’s insurance is designed to cover your contents even if you don’t own the building.

Condo Unit Insurance

Tailored policies that provide coverage where your condo corporation’s insurance ends, including personal property and improvements.

Recreational Vehicles

From boats and ATVs to snowmobiles and RVs, we’ve got your recreational pursuits covered.

ATV | Boats | Dirt Bike | Trailers

Rental Property Insurance

Protect your investment with specialized coverage designed for landlords, including property damage and loss of rental income.

Cottage & Seasonal Property

Address the unique risks of owning a seasonal property with building and contents coverage tailored for cabins and cottages.

Your premium is based on several factors: the age and construction of your home, its location, the coverage limits you choose, and your claims history. 

Maybe. Standard policies have specific dollar limits for high-value items in cases of theft. If your items exceed these limits, you may want “scheduled” coverage. This ensures you get the full replacement value and adds protection for “mysterious disappearance”, which covers you if an item is lost or misplaced rather than just stolen.

Renter insurance provides three main things: it replaces your personal belongings if they are damaged or stolen, offers liability protection if someone is hurt in your home, and covers extra living costs if your place becomes uninhabitable after a covered claim.

Replacement cost pays to buy new items of similar quality without accounting for wear and tear. Actual cash value only pays what your items were worth at the time of the loss (depreciated value). Choosing replacement cost usually means a slightly higher premium, but much better protection when you need to buy new things.

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