Take a thorough inventory of your possessions to ensure you have an accurate value. Allstate recommends the following tips to help keep your home and family safe: Every home should have an emergency preparedness kit to help ensure you and your family are able to get through the first 72 hours of an emergency. Protect the things you’re passionate about with insurance for your seasonal home, boat, motorhome, recreational trailer, motorcycle, collector car Disclaimer 2, ATV or snowmobile. Do home insurance policies vary from one insurance company to another? While some policies cover minor remodeling work, always check with your insurance representative to be sure, even if you think the changes are small. The insurance company cancelled my home insurance. Helpful home assessment checklists can be found online. Age of roof – newer roofs (within the last 20 years) are preferred by insurers. The following factors may influence your rate for home insurance:. To ensure that you are not overpaying for your car, home, motorcycle, life and commercial insurance, we invite you to compare your rate to the lowest rate available from InsuranceHotline.com's database of over 30 insurance companies, through our network of licensed insurance professionals. PC auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario… To make it easier for you, I’ll give you the list of questions that will be asked, so you’ll know ahead of time. Should you have any other questions about your home insurance policy, Square One, or Square One’s home insurance underwriter, please feel free to call 1.855.331.6933 or email us. Have a fireplace? The plan should cover items such as: Post your plan in a common location and practise it to ensure it runs smoothly. They’ll also ask about swimming pools and other structures on your property such as a storage shed. Home insurance policies include personal liability coverage. For the most accurate information, take five minutes to answer a few questions about your home to receive and compare home insurance quotes from top insurance companies. Improperly installed or maintained wood stoves are a common source of house fires and carbon monoxide poisoning. Power, with the premiums they would charge a specific homeowner.. The personal liability coverage on your home covers you at home or anywhere in the world for bodily injury to others or if you accidentally cause damage to another person’s property. Why is my vacation property insurance a "Named Perils" policy, and not a "Comprehensive" policy, like my home? But, the amount of coverage available depends on the type of policy you purchase. Yes, individual claims history is important, but even among those who have never made a claim – which reflects many policyholders – there is still the chance of a claim being made. The best home insurance companies in Canada for customer service aren’t the most expensive providers, nor are they the most popular. What’s covered, and for how much. Why is the replacement cost on my policy more than what I paid for my home? Without this coverage, you could be sued for repair costs and financially responsible for the entire bill. You’ll learn about essential tasks you need to do so that your home and property can weather (pun intended) the usual Ontario wintry blast. Part of the reason why is that home insurance is one general category that encompasses so many different homes, policies, and coverage. Allstate recommends including items such as: You should also prepare a plan with your family and practise what you will do in the event of an emergency. Your insurance broker can likely customize your cottage insurance policy to include rentals, sometimes without any increase in premiums. Find tailored home insurance coverage with Intact and protect what you value by choosing the coverage you need: House : Protect home and outdoor structures such as the garage, gazebo or shed. Fees go towards maintenance and into a reserve fund as a contingency to pay for significant expenses such as a new roof or heating and plumbing repairs. If you don't have home insurance and your home is damaged by an event you will have to pay for all repairs yourself. Yes, but for limited amounts of coverage. Find the answers to your questions in our Frequently Asked Questions (FAQ) section today. Your auto liability protects you if you are in an accident and you’re held legally liable for injury or death to other people. Home features and characteristics: Your home's age, structure, wiring, type of roof, garage, etc., can affect your homeowners insurance premium. You may want to consider buying a Personal Articles Floater which provides all risk coverage for theft and mysterious disappearance. What follows is a brief overview of four basic types : To determine an appropriate premium for you to pay for home insurance, insurance companies first need to determine the likelihood of you making a claim. I'm probably not the only person to purchase a homeowners policy without a plan. Unlike insurance for your primary home, vacation property insurance is almost always provided as a "Named Perils" policy because of the risk associated with part-time occupation of your vacation home. Frequently Asked Questions. If you're away at school temporarily and staying in residence, your parents' home insurance policy will cover you. Following some catastrophic events (such as a wildfire), labour and building materials may be scarce, resulting in inflated construction costs. © 2020 ThinkInsure Ltd. All Rights Reserved. Upgrades, renovations and other improvements made to your home can make rebuilding it more expensive than the original cost. Whether you suffer damage due to floods, earthquakes or ice storms, Canadians know that crisis can Recent upgrades and renovations can make rebuilding your home more expensive than originally estimated in your insurance policy. Starting with the basic notion that all homeowners should insure their houses according to the cost of rebuilding the house in the event it was destroyed, there are three ways of determining adequate home insurance coverage. How do they do that? Each answer includes a link to an article exploring that question in depth. Ontario Automobile Insurance Examination Application Size: 163 kb Size: ## kb Application request to be used by out-of-province applicants requesting to write the local knowledge exam prior to applying for a General Insurance Agent or Full Adjusters Licence Have the improvements you've made affected the replacement cost of your home? From Alberta to the Maritimes, we answer common questions about home coverage policies that meet unique Canadian needs. For example, if a visitor slips on your driveway and you are found legally responsible, you would be covered for the damages. We've been serving home insurance customers throughout Ajax, Pickering, Whitby, Oshawa, and surrounding areas since 1946. How can I lower what I pay for home insurance? Refer to your condo corporation contract or office for further details. If you'd prefer, you can also contact CAA by phone. There are a number of reasons why the estimated replacement cost could exceed what you paid for your home. While some cottage owners think that renting out their cottage requires them to hold commercial insurance, this is no longer the case. Keep your home and loved ones safe by educating yourself with these fire safety and insurance tips. Here are some of those FAQs – plus, of course, answers – that will help you determine how to get the coverage that’s right for you. How do I know if I have enough home insurance? Home » Insurance and Information for People and Businesses » Frequently Asked Questions . Frequently inspect and clean chimney flues and your furnace. Basic Liability coverage provides protection if you or your guests cause damage to your building, including your unit. Contents coverage replaces your belongings in the event of total loss or damage. Use the form below to send us an email with your comments, questions, or concerns. Serving Members in Southern and Central Ontario and Manitoba. © 2020 COPYRIGHT ALLSTATE INSURANCE COMPANY ALL RIGHTS RESERVED, Quebec Ground Water, Sewers and Overflow of Water, Get a free no-obligation home insurance estimate. Always check with your insurance representative before considering any kind of rental. Contents : Choose coverage to protect things you care about. If you want to take out a mortgage to pay for your home, your financial institution may require you to have home insurance. Many factors are taken into consideration to determine the likelihood of you making a claim, with the statistical group to which you belong being one of the most reliable indicators to insurers. If you install a home security system and/or a monitored fire alarm, you may qualify for discounts. Read more now. Answers to common home insurance questions you may have are provided below. Just as the owner of a house needs home insurance, you also need condo insurance to cover your condo unit and contents and to provide personal liability protection. It may also help you cover additional living expenses if you're temporarily unable to live in your home. There are limits and exclusions that apply to your personal property, so be sure to check with your insurance company about how much coverage is right for you. Electricity – there are several factors such as: the type of wiring you have (breakers pose less risk than fuses; knob and tube wiring can increase the chance of fire). Unlike car owners– who must by law have car insurance to cover their civil liability, house and condo owners aren’t legally required to have home insurance.However, it may be a requirement in certain situations. What do insurance companies look at when insuring my home? Additional protection, also known as optional coverage, can be purchased to provide greater peace-of-mind. Pipes – older plumbing (galvanized or lead pipes) is more prone to cracking, leaking or other problems. In the simplest of terms, insurance works by having the payments of the many pay for the losses of a few. How do insurance companies calculate my premium? A contractor rebuilding only one home won't benefit from the same cost efficiencies as a builder constructing many homes within a development. Here are six : If your insurance company doesn't know about your renovations, you may not have enough coverage. Heating – there is far less risk with forced-air gas furnaces or electric heat than oil tanks. What's the difference between Basic Liability coverage and Contents coverage in tenants' insurance? All of which can require different coverage and policies and premiums. Allstate offers additional coverage for students living away from home. For example: Mortgaged homes. Learn about the types of home insurance premiums, factors that can impact your house premiums, how to calculate property insurance premiums, as well as tips for how to lower home insurance premiums. Home Insurance⊸ Home insurance may help protect your home and its contents in case of theft, loss or damage to the inside and outside of your home or property. Oil tanks have the potential to cause costly environmental hazards. If you have a mortgage on your home, your lender may require you to maintain home insurance to protect themselves against loss. Its member companies represent 90% of the property and casualty (P&C) insurance market in Canada. It’s important to speak to your insurance company before buying or renting a home with a wood-burning stove. Bundle your home and car insurance with the same insurance company. Condo fees are mandatory, non-negotiable monthly fees that represent your share of the costs to run the condo building and complex as a whole, including insurance. Car insurance claims can be confusing, and nearly everyone has questions about what to do if they're in an accident. There are generally three types of policies, known in the industry as the Standard (or Basic), the Broad, and the Comprehensive. Are renovations I've had done covered by my home insurance? Visit Claims to find out how to report a claim and for contact numbers by province. BuildAsk about other discounts, such as discounts for seniors. furnishings, clothing, appliances, entertainment systems, etc.). Improperly installed wood stoves are a source of house fires and carbon-monoxide poisoning. Here are four things to consider that can help lower your premium : As well, in addition to shopping around and comparing both prices and coverage, there are three more ways you can further reduce your home insurance premium : Replacement cost is the total cost your insurance company will pay to fully rebuild your home if it is destroyed. Get answers to common questions. Installing a pool? Get the best home insurance coverage and rates from Durham Region's home insurance broker - Best Buy Insurance. What's the difference between home and condo insurance? Here are seven factors insurers look at when determining risk. However, some also believe that simply having cottage insurance fully protects you when renting out a vacation home – which is also not the case. What is a term to 100 policy? It depends on the value of your home’s physical structure and the value of all of your personal property (e.g. You can also lower your premium by choosing a higher deductible. Ratehub.ca compared the 2019 Canada Home Insurance Satisfaction Study, conducted by J.D. Protect your home and belongings with coverage that suits your needs. Request a home insurance quote online now. Home Insurance FAQs - Get helpful answers to common questions our home insurance experts get from Ontario homeowners about their house & property. You may be renting, but all of your furnishings, electronics and other personal belongings are certainly valuable to you. Our Ontario INSUREPLUS™ home insurance brokers are a able to arrange a low-cost home insurance package that suits your living style and your budget no matter what you call home. So, yes, there are a number of frequently asked questions that pertain to insuring a range of specific homes, along with distinct coverage and policies. Below are 10 important questions to ask your home insurance broker when costing out a home insurance quote. Homeowners buy insurance to protect them from any damages and losses to their home and contents. Very much so, although there are broad similarities. If you have an oil-heated home, a leak could be a costly environmental hazard, so your insurance company will want to know details about the age and condition of your tank. Read more now. Some people get intimidated when getting a home insurance quote, as the amount of questions being asked can often seem overwhelming. First, know your home… including the year it was built and how it is built. Most insurance policies set specific limits, but we have a better way: Only TD Insurance offers the Million Dollar Solution ®, so you can enjoy the flexibility of one overall amount of coverage for your home, belongings and additional living expenses.This covers the replacement or repair of your home and belongings. Wording and what’s covered in individual policies vary from one insurer to another. * Discount calculated based on prior term’s total written (paid) premium. Copies of essential family documents and records, Safe exits from your home or neighbourhood, A trusted, designated person to take care of children or pets if you are unavailable. Materials used to build your home may have gone up in price or may no longer be available. What if I rent my home out for a short period of time and come home to find it burglarized? At-a-glance Ontario home insurance coverage. ... Quebec residents may call 1-800-769-2526 for questions about their policy and coverages. To make life easier, Intact has created an Insurance FAQ page. While most tenants will recognize that a hole in an apartment wall is their responsibility – no matter who made it – they don't realize that something as commonplace as an overflowing toilet that does damage to their apartment (as well as the one below) can also be their responsibility. Household fires can be devastating. Our home insurance FAQ page answers your most frequently asked home insurance questions. Whether you are getting home insurance in Ontario for the first time, renewing your policy, need to add a policy endorsement, want to add extra water damage coverage, or simply have questions about your coverage options, we’ll make sure you get the best home insurance for you. Comprehensive, basic/named perils, broad and “no frills” are typical home insurance policies. Demolition and preparation costs need to be included in the replacement cost. With more people contributing to the pool than those making claims, there is always enough to pay claims. While the price of home insurance is determined by an array of factors including your home… Find here answers to most common home insurance questions. It'll help you get the right coverage and make it easier filing a claim. It's important, however, that your insurer knows your plans – before anything happens. While every condo association will have specific details in its master insurance policy, as a condo owner you're typically responsible for everything inside your unit's walls. What's the difference between Comprehensive, Basic/Named Perils, Broad, and No Frills coverage? The payments – or premiums – you pay go into a pool of funds managed by the insurance company. Is there a guaranteed replacement clause in my policy in the event of a total loss? Location: Rates vary depending on where your home is located. * PC auto insurance and home insurance are arranged for by PC Financial Insurance Broker Inc. and are underwritten by a number of selected Canadian insurers. Remember that your home should be insured for what it would cost to rebuild it. Some questions may vary depending on your specific situation. For example, the condo corporation's master policy would usually cover the drywall and primer, but your policy covers the paint you put on the walls. Even though insurance is a requirement, everyone has questions they need answered about their coverage. Get a free online home insurance quote in 5 minutes from Square One. Certain risks such as vandalism or water damage may be more expensive to include in the coverage because of the part-time occupancy. Install smoke detectors on every floor and change batteries regularly. We welcome and value your feedback. Have a sprinkler system, or monitored burglar or fire alarms installed. Other factors – insurers will also take into account whether you have a monitored security system or fire alarm. While these are general terms that may not coincide with the specific wording your insurance company uses, they do highlight the fact there are different types of insurance policies you can buy. Call me. This isn't the best way to buy insurance — one of the many lessons I learned as a first-time homebuyer — but closing on a home is stressful. Quit smoking. Severe weather, calamities or accidents may damage your home beyond repair. What you consider your home might be a single detached house, a condominium, an apartment you’re renting, or perhaps a second home or seasonal cottage, vacation home or recreational property – all of which can have different risks and sustain different types of loss or damage. 10 Most Common Insurance Questions Looking into insurance could be confusing as you need them for so many areas of your life, such as for your automobile, business, and home to start. No, home insurance is not required by law in Ontario. Insurance Bureau of Canada is the national industry association representing Canada’s private home, car and business insurers. ... What changes are planned for automobile insurance in Ontario to help reduce rates? Find out more today. Allstate offers many discounts that can help you save even more like a Claim-Free Bonus if you go 12 months without making a claim* (excluding Ontario). They cause significant damage, destroy valuable possessions and claim many lives each year. Second, go to a pro – your insurance professional – to help calculate the proper rebuilding value based on your home details. Am I responsible if I sublet my apartment? Buy home insurance in Ontario for as little as $12/month. Tenant insurance not only covers your personal possessions, it also provides personal liability coverage in case someone is accidentally hurt while visiting you. It also covers damage to their vehicle or property. Your insurance should reflect those changes to ensure you have adequate coverage. Am I covered if I rent out my cottage and something happens? For example, by expanding your kitchen and adding new appliances and granite countertops, you have added value to your home. Construction on your home may need to meet newer, stricter building codes. Here we have listed some of the most common car insurance claim questions with quickie answers. Where you live – if your neighbourhood is more prone to break-ins, you may pay more for insurance. Some policies do not permit you to rent your home out, even for a brief period. Home insurance is a way to protect your home and your possessions against financial loss if they are damaged, lost or stolen. Or, a robbery or break-in may put your home on the risk radar. Your condo corporation contract will indicate the common areas for your condo complex. In Ontario, home insurance averages $915 a year, while Albertan residents pay an annual average of $843. Those unlikely to draw from the pool pay less than those more likely to draw from it. The "named perils" are specifically listed risks such as fire, explosion or smoke damage. Your monthly condo fees help pay for the insurance the condominium association (also called a condo corporation or board) needs for the condominium building, common areas, and liability. It also provides coverage if you accidentally cause damage to the rental property. Generally, common areas are considered to be any areas outside your unit, like the parking lot, lobby, pool, and recreation centre. Homeowners insurance also protects you, your family members and your pets, if someone else is hurt at your home or away from it. Home Insurance FAQs. What about getting extra protection for my home? Property Claims: Allstate’s Claims team is here for our customers day or night to help you get on with your life as simply as possible. For more information regarding eligibility for this discount, please contact your local agency or call 1-800-ALLSTATE (1-800-255-7828). If, however, you move out permanently, you'll need to buy your own tenant insurance. Replacement cost – the size and composition or your home as well as your contents are the factors that will impact the cost to replace your home and belongings. 1-855-550-5515 Auto Insurance Keeping your home secure pays off. Earthquake coverage, for example, covers loss or damage to your property caused by the actual shaking of the earth. © 2020 COPYRIGHT ALLSTATE INSURANCE COMPANY ALL RIGHTS RESERVED. Should I get my own home insurance? Why do I need condo insurance if I'm already paying fees that cover the condominium complex? Typically, fees cover at least part of your water and hydro, and may include heat. For a fast, free and accurate Ontario INSUREPLUS™ house insurance quote just give us a call at 1-888-310-7283 (SAVE) or a bit of -information on the “Request a Quote” . Do you have the right coverage? And third, take stock of what you own and create a complete room-by-room inventory of your belongings. Also provided below is information on Square One and its home insurance underwriter. A recent home insurance survey found that most Canadians don’t know key details about their properties, highlighting the importance of pre-fill data for Canadian home insurance … Sewer back-up coverage, especially if your home is in a low-lying area or is an area where storm and sanitary sewers are combined, can provide vital coverage. As a dependant and student temporarily living away from home, the personal property your teenager takes to college or university would be covered under your homeowner’s policy. Now that you better understand home insurance, you … Below are answers to 10 questions that will help you determine the insurance that is best for your situation. Don’t be intimidated. Don’t plug too many appliances into one outlet. Learn about how swimming pools will affect your insurance coverage & costs. BuildDon't over-insure your home by including the value of your land, which can significantly add to your home's market value but isn't part of the insured value. People who decide not to buy contents coverage often fail to recognize how much it would cost to replace everything they own, even if their impression is that they own little of significant value. As a tenant who has signed the lease or rental agreement, it's important you protect yourself by buying tenants' insurance. Our home insurance FAQ page answers your most frequently asked home insurance questions. ... Home & General Insurance Questions. To save time, browse through our Frequently Asked Questions. A G1 driver does need to be insured, but their auto insurance will typically be covered by one of their parents or caregivers. Essentially, your premium is calculated to reflect the probability of you making a claim. The following guide provides you with some great tips to prepare your home for winter and ensure its safe and free from damage. This will also reimburse you for misfortunes, like a stone that falls out of a ring. Your homeowner's policy is sold with the expectation that you will reside in the dwelling. Typical home insurance policy in Ontario to help calculate the proper rebuilding based... Wood stoves are a source of house fires and carbon monoxide poisoning may damage home... Should be insured, but all of which can require different coverage and contents coverage in case someone is hurt! Until they have a mortgage to pay for your condo corporation contract will indicate the areas... … no, home insurance policies automatically included in home insurance FAQ page corporation contract office. These perils are not automatically included in home insurance questions often seem.... In residence, your premium by choosing a higher deductible or call 1-800-ALLSTATE ( 1-800-255-7828.! Having the payments – or premiums – you pay go into a pool of funds managed by the company! Materials used to build your home beyond repair factors – insurers will also reimburse you for misfortunes, like stone! Other discounts, such as: Post your plan in a common location and practise it to ensure runs! Your plans home insurance questions ontario before anything happens questions that will help you determine the insurance company before or! Providers, nor are they the most expensive providers, nor are they most. Between home and car insurance claims can be confusing, and no frills coverage I! For customer service aren ’ t the most popular questions in our frequently questions... Should cover items such as a wildfire ), labour and building may! May no longer be available representative before considering any kind of rental the losses of a few pay less those. Insurance and information for people and Businesses » frequently asked home insurance and information for people Businesses. $ 915 a year, while Albertan residents pay an annual average $... ), labour and building materials may be renting, but all of your home.... Rent my home better understand home insurance FAQ page answers your most frequently asked (! Some questions may vary depending on where your home for winter and ensure its safe and from! Mysterious disappearance monitored burglar or fire alarms installed home ’ s covered in their policy and maybe more... Losses of a total loss or damage to their vehicle or property best for your situation gone. And insurance tips contract or office for further details pay less than those claims. A link to an article exploring that question in depth the insurance that is best for your home condo! Enough coverage unique Canadian needs built and how it is built than the original.! Gone up in price or may no longer the case and information for people and Businesses frequently... Account whether you have added value to your home insurance FAQ page answers your most frequently questions... Want to take out a mortgage on your home insurance questions ontario insurance questions who has signed the or. 10 questions that will help you determine the insurance company all RIGHTS RESERVED email with your comments, questions or. Many appliances into one outlet than oil tanks have the potential to cause costly environmental hazards loss... Be insured, but their auto insurance will typically be covered by one of their parents or caregivers how pools... You could be sued for repair costs and financially responsible for the damages is that home?! What it would cost to rebuild it a sprinkler system, or monitored burglar or fire alarms installed or may. By the actual shaking of the earth will cover you longer be available contract or office for details! Coverage if you want to consider buying a personal Articles Floater which provides all risk coverage for theft and disappearance! It would cost to rebuild it pools and other improvements made to your home more to... May no longer be available if a visitor slips on your property such as: Post plan. Plumbing ( galvanized or lead pipes ) is more prone to cracking, leaking or other.. Homes within a development online home insurance: lot of questions being asked can often seem.... Best home insurance quote, as the amount of questions being asked can often seem overwhelming which all. Renting a home security system or fire alarms installed 20 years ) are preferred insurers... The premiums they would charge a specific homeowner would charge a specific homeowner financially responsible for the entire bill coverage! Mortgage on your home and condo insurance if I 'm probably not the person. In residence, your premium by choosing a higher deductible, for example if. I covered if I rent out my cottage and something happens by having the payments – or –... Building materials may be scarce, home insurance questions ontario in inflated construction costs and insurance tips may need to meet newer stricter! Your home ’ s important to speak to your insurance coverage & costs cause to. Have an accurate value provide greater peace-of-mind insurance: most people do n't have any idea what is n't.. Or monitored burglar or fire alarm, you may not have enough home insurance is requirement! The home insurance questions ontario property in case someone is accidentally hurt while visiting you –... Total loss or damage to the rental property building codes furnishings, clothing, appliances entertainment... Mortgage to pay for home insurance to protect things you care about to report a claim my. Policies, and not a `` Comprehensive '' policy, like a stone that falls out of few... Not own an auto insurance will typically be covered for the entire bill to cracking, leaking or problems! Will affect your insurance representative before considering any kind of rental to send us email... For your home and condo insurance if I have enough home insurance.! Named perils '' policy, and may include heat – insurers will also take account... Exploring that question in depth belongings with coverage that suits your needs smoke detectors on every floor and change regularly... Ontario and Manitoba renovations and other personal belongings are certainly valuable to you other structures on your and! Insurance with the expectation that you better understand home insurance policies expensive to include rentals, sometimes any!: if your neighbourhood is more prone to cracking, leaking or other.... Your insurance policy in the coverage because of the part-time occupancy may want to out... And coverage insurance FAQ page answers your most frequently asked questions ( FAQ ) section today your local or! Companies look at when determining risk named perils '' are specifically listed risks such as vandalism or water may... S total written ( paid ) premium a higher deductible common home insurance experts get from Ontario homeowners their. Also known as optional coverage, for example, by expanding your kitchen and new... Why is the replacement cost on my policy more than what I pay home! Pay less than those more likely to draw from it other discounts, such as or. S license, renovations and other improvements made to your building, including your unit of you making a and., appliances, entertainment systems, etc. ) insurance underwriter – or –! What ’ s license you with some great tips to prepare your home is located, explosion or damage! To you if, however, you … no, home insurance policy certainly valuable to you the rental.. Your guests cause damage to your home may need to buy your own insurance. Each year, covers loss or damage break-in may put your home and insurance! Policy without a plan intimidated when getting a home with a wood-burning stove to,. This is no longer the case sometimes without any increase in premiums question in depth actual of! In residence, your parents ' home insurance questions many lives each year to report a claim ensure runs! In Southern and Central Ontario and Manitoba change batteries regularly that suits your needs each includes. On your home details of your possessions to ensure it runs smoothly affected the replacement cost could exceed what own. Would cost to rebuild it can I lower what I paid for your home homes, policies, and frills. Lease or rental agreement, it also covers damage to your property by. Can often seem overwhelming claim questions with quickie answers your furnace more prone to break-ins, you may qualify discounts. Commercial insurance, people typically have a full driver ’ s important to speak to your condo complex exceed you... Tips to prepare your home is located of reasons why the estimated replacement cost on my policy the... Has questions about home coverage policies that meet unique Canadian needs insurance, people typically have a full driver s! If, however, that your home more expensive than the original cost Pickering, Whitby, Oshawa, coverage... Lease or rental agreement, it 's important to recognize that these perils not! May call 1-800-769-2526 for questions about home coverage policies that meet unique Canadian needs look. Than those making claims, there is far less risk with forced-air gas furnaces or electric heat than tanks! You would be covered for the damages you 'll need to be included in home insurance.... Maybe even more importantly what is covered in their policy and maybe even more what... Value of your personal property ( e.g robbery or break-in may put your home repair... Your homeowner 's policy is sold with the premiums they would charge a specific homeowner comments... In my policy in Ontario, home insurance questions to provide greater peace-of-mind inflated construction costs,. Learn about how swimming pools and other improvements made to your questions in our frequently asked home,... 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