Don’t plug too many appliances into one outlet. 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. Where you live – if your neighbourhood is more prone to break-ins, you may pay more for insurance. 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. What is a property insurance premium? 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. Get the best home insurance coverage and rates from Durham Region's home insurance broker - Best Buy Insurance. Homeowners buy insurance to protect them from any damages and losses to their home and contents. Helpful home assessment checklists can be found online. 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. With more people contributing to the pool than those making claims, there is always enough to pay claims. Have a fireplace? Whether you suffer damage due to floods, earthquakes or ice storms, Canadians know that crisis can Home insurance is a way to protect your home and your possessions against financial loss if they are damaged, lost or stolen. When it comes to home insurance, people typically have a lot of questions. In fact, a driver cannot own an auto insurance policy in Ontario until they have a full driver’s license. The plan should cover items such as: Post your plan in a common location and practise it to ensure it runs smoothly. Do home insurance policies vary from one insurance company to another? 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. 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” . Upgrades, renovations and other improvements made to your home can make rebuilding it more expensive than the original cost. You can also lower your premium by choosing a higher deductible. It'll help you get the right coverage and make it easier filing a claim. Buying a home with a pool? Quit smoking. We may have answered your questions already! It's important, however, that your insurer knows your plans – before anything happens. 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. The insurance company cancelled my home insurance. Basic Liability coverage provides protection if you or your guests cause damage to your building, including your unit. What's the difference between Basic Liability coverage and Contents coverage in tenants' insurance? 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. Your homeowner's policy is sold with the expectation that you will reside in the dwelling. What about getting extra protection for my home? You may be renting, but all of your furnishings, electronics and other personal belongings are certainly valuable to you. 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. Comprehensive, basic/named perils, broad and “no frills” are typical home insurance policies. Ratehub.ca compared the 2019 Canada Home Insurance Satisfaction Study, conducted by J.D. Some policies do not permit you to rent your home out, even for a brief period. Find here answers to most common home insurance questions. Some questions may vary depending on your specific situation. © 2020 COPYRIGHT ALLSTATE INSURANCE COMPANY ALL RIGHTS RESERVED, Quebec Ground Water, Sewers and Overflow of Water, Get a free no-obligation home insurance estimate. If you install a home security system and/or a monitored fire alarm, you may qualify for discounts. Learn about how swimming pools will affect your insurance coverage & costs. 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. Take a thorough inventory of your possessions to ensure you have an accurate value. A contractor rebuilding only one home won't benefit from the same cost efficiencies as a builder constructing many homes within a development. How can I lower what I pay for home insurance? The first set of questions … Second, go to a pro – your insurance professional – to help calculate the proper rebuilding value based on your home details. 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 if I rent my home out for a short period of time and come home to find it burglarized? No, home insurance is not required by law in Ontario. Improperly installed wood stoves are a source of house fires and carbon-monoxide poisoning. In Ontario, home insurance averages $915 a year, while Albertan residents pay an annual average of $843. But, the amount of coverage available depends on the type of policy you purchase. Why is my vacation property insurance a "Named Perils" policy, and not a "Comprehensive" policy, like my home? 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. 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. © 2020 COPYRIGHT ALLSTATE INSURANCE COMPANY ALL RIGHTS RESERVED. Homeowners insurance also protects you, your family members and your pets, if someone else is hurt at your home or away from it. No. 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 best home insurance companies in Canada for customer service aren’t the most expensive providers, nor are they the most popular. All of which can require different coverage and policies and premiums. Power, with the premiums they would charge a specific homeowner.. Why do I need condo insurance if I'm already paying fees that cover the condominium complex? If you don't have home insurance and your home is damaged by an event you will have to pay for all repairs yourself. It depends on the value of your home’s physical structure and the value of all of your personal property (e.g. 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. A tenants' insurance policy should include both. Household fires can be devastating. While some cottage owners think that renting out their cottage requires them to hold commercial insurance, this is no longer the case. Protect your home and belongings with coverage that suits your needs. * Discount calculated based on prior term’s total written (paid) premium. 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. ... Home & General Insurance Questions. 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. Home Insurance⊸ Here are six : If your insurance company doesn't know about your renovations, you may not have enough coverage. Other factors – insurers will also take into account whether you have a monitored security system or fire alarm. ... Quebec residents may call 1-800-769-2526 for questions about their policy and coverages. 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. 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. Or, a robbery or break-in may put your home on the risk radar. They’ll also ask about swimming pools and other structures on your property such as a storage shed. Here we have listed some of the most common car insurance claim questions with quickie answers. Home features and characteristics: Your home's age, structure, wiring, type of roof, garage, etc., can affect your homeowners insurance premium. 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. Its member companies represent 90% of the property and casualty (P&C) insurance market in Canada. 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. For example: Mortgaged homes. ⊸ What's the difference between Comprehensive, Basic/Named Perils, Broad, and No Frills coverage? Construction on your home may need to meet newer, stricter building codes. It also covers damage to their vehicle or property. The payments – or premiums – you pay go into a pool of funds managed by the insurance company. Always check with your insurance representative before considering any kind of rental. Replacement costs can include things not included in the resale value, such as the cost of skilled labour, debris removal, extra expenses from stricter building codes, and so on. There are generally three types of policies, known in the industry as the Standard (or Basic), the Broad, and the Comprehensive. The following guide provides you with some great tips to prepare your home for winter and ensure its safe and free from damage. Your insurance should reflect those changes to ensure you have adequate coverage. Home insurance policies include personal liability coverage. Home insurance coverage and premiums vary from one company to another and from one policy to another, so it pays to ask questions before you buy. 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. Our home insurance FAQ page answers your most frequently asked home insurance questions. 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. Find out more today. Age of roof – newer roofs (within the last 20 years) are preferred by insurers. Also provided below is information on Square One and its home insurance underwriter. Those unlikely to draw from the pool pay less than those more likely to draw from it. Find the answers to your questions in our Frequently Asked Questions (FAQ) section today. Additional protection, also known as optional coverage, can be purchased to provide greater peace-of-mind. As a tenant who has signed the lease or rental agreement, it's important you protect yourself by buying tenants' insurance. Don’t be intimidated. 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. Many insurance companies will offer a lower rate corresponding to the lower risk of fire loss by removing the threat of fire from careless smoking. Am I responsible if I sublet my apartment? Call me. 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. 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). Is there a guaranteed replacement clause in my policy in the event of a total loss? Get answers to common questions. They cause significant damage, destroy valuable possessions and claim many lives each year. Call Us: 1-800-731-2228 Or have us contact you how and when you prefer. 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. Wording and what’s covered in individual policies vary from one insurer to another. 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. Contents coverage replaces your belongings in the event of total loss or damage. Read more now. Following some catastrophic events (such as a wildfire), labour and building materials may be scarce, resulting in inflated construction costs. Heating – there is far less risk with forced-air gas furnaces or electric heat than oil tanks. 1-855-550-5515 Auto Insurance From Alberta to the Maritimes, we answer common questions about home coverage policies that meet unique Canadian needs. 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. PC auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario… If you want to take out a mortgage to pay for your home, your financial institution may require you to have home insurance. While the price of home insurance is determined by an array of factors including your home… Should I get my own home insurance? Typically, fees cover at least part of your water and hydro, and may include heat. 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. 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. 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 … It may also help you cover additional living expenses if you're temporarily unable to live in your home. You may want to consider buying a Personal Articles Floater which provides all risk coverage for theft and mysterious disappearance. Tenant insurance not only covers your personal possessions, it also provides personal liability coverage in case someone is accidentally hurt while visiting you. Keep your home and loved ones safe by educating yourself with these fire safety and insurance tips. We've been serving home insurance customers throughout Ajax, Pickering, Whitby, Oshawa, and surrounding areas since 1946. It's important to recognize that these perils are not automatically included in home insurance policies. furnishings, clothing, appliances, entertainment systems, etc.). Refer to your condo corporation contract or office for further details. Below are 10 important questions to ask your home insurance broker when costing out a home insurance quote. * 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. Install smoke detectors on every floor and change batteries regularly. Use the form below to send us an email with your comments, questions, or concerns. 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. Frequently Asked Questions. BuildAsk about other discounts, such as discounts for seniors. What’s covered, and for how much. Am I covered if I rent out my cottage and something happens? Contents : Choose coverage to protect things you care about. Demolition and preparation costs need to be included in the replacement cost. But, most people don't have any idea what is covered in their policy and maybe even more importantly what isn't covered. Are renovations I've had done covered by my home insurance? 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. Skip to Main Content. For example, by expanding your kitchen and adding new appliances and granite countertops, you have added value to your home. 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. How do they do that? Your condo corporation contract will indicate the common areas for your condo complex. Each answer includes a link to an article exploring that question in depth. How do I know if I have enough home insurance? It’s important to speak to your insurance company before buying or renting a home with a wood-burning stove. While this brochure is intended to provide information in regards to basic insurance questions, your insurance representative is the best resource for any specific questions you may have. 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). For more information regarding eligibility for this discount, please contact your local agency or call 1-800-ALLSTATE (1-800-255-7828). ... What changes are planned for automobile insurance in Ontario to help reduce rates? For example, if a visitor slips on your driveway and you are found legally responsible, you would be covered for the damages. What do insurance companies look at when insuring my home? 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. Now that you better understand home insurance, you … Installing a pool? If you're away at school temporarily and staying in residence, your parents' home insurance policy will cover you. The following factors may influence your rate for home insurance:. To save time, browse through our Frequently Asked Questions. The "named perils" are specifically listed risks such as fire, explosion or smoke damage. Get a free online home insurance quote in 5 minutes from Square One. Serving Members in Southern and Central Ontario and Manitoba. Buy home insurance in Ontario for as little as $12/month. Keeping your home secure pays off. 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. 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. Yes, but for limited amounts of coverage. 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. 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. Read more now. Frequently inspect and clean chimney flues and your furnace. We welcome and value your feedback. There are a number of reasons why the estimated replacement cost could exceed what you paid for your home. A G1 driver does need to be insured, but their auto insurance will typically be covered by one of their parents or caregivers. Improperly installed or maintained wood stoves are a common source of house fires and carbon monoxide poisoning. To make life easier, Intact has created an Insurance FAQ page. Request a home insurance quote online now. Do you have the right coverage? Here are seven factors insurers look at when determining risk. What is a term to 100 policy? Home » Insurance and Information for People and Businesses » Frequently Asked Questions . Severe weather, calamities or accidents may damage your home beyond repair. 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. 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. Have a sprinkler system, or monitored burglar or fire alarms installed. Insurance Bureau of Canada is the national industry association representing Canada’s private home, car and business insurers. © 2020 ThinkInsure Ltd. All Rights Reserved. Oil tanks have the potential to cause costly environmental hazards. I'm probably not the only person to purchase a homeowners policy without a plan. Recent upgrades and renovations can make rebuilding your home more expensive than originally estimated in your insurance policy. First, know your home… including the year it was built and how it is built. Some people get intimidated when getting a home insurance quote, as the amount of questions being asked can often seem overwhelming. Even though insurance is a requirement, everyone has questions they need answered about their coverage. Visit Claims to find out how to report a claim and for contact numbers by province. Your insurance broker can likely customize your cottage insurance policy to include rentals, sometimes without any increase in premiums. At-a-glance Ontario home insurance coverage. This will also reimburse you for misfortunes, like a stone that falls out of a ring. Car insurance claims can be confusing, and nearly everyone has questions about what to do if they're in an accident. Remember that your home should be insured for what it would cost to rebuild it. Generally, common areas are considered to be any areas outside your unit, like the parking lot, lobby, pool, and recreation centre. Allstate offers additional coverage for students living away from home. If, however, you move out permanently, you'll need to buy your own tenant insurance. 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. If you have a mortgage on your home, your lender may require you to maintain home insurance to protect themselves against loss. Part of the reason why is that home insurance is one general category that encompasses so many different homes, policies, and coverage. How do insurance companies calculate my premium? Pipes – older plumbing (galvanized or lead pipes) is more prone to cracking, leaking or other problems. Materials used to build your home may have gone up in price or may no longer be available. Have the improvements you've made affected the replacement cost of your home? And third, take stock of what you own and create a complete room-by-room inventory of your belongings. Without this coverage, you could be sued for repair costs and financially responsible for the entire bill. It also provides coverage if you accidentally cause damage to the rental property. 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. Without a plan right coverage and make it easier filing a claim and contact! While some cottage owners think that renting out their cottage requires them hold... How and when you prefer and come home to find it burglarized what you paid your! Made to your property such as discounts for seniors you how and when you prefer monitored alarm. Time and come home to find it burglarized property such as: Post your plan a. Not a `` Comprehensive '' policy, like a stone that falls out of a ring insurance reflect! Changes to ensure it runs smoothly are answers to 10 questions that will help you the! C ) insurance market in Canada for customer service aren ’ t plug too many into... Property such as discounts for seniors or monitored burglar or fire alarm, you would be covered for losses... Chimney flues and your furnace and may include heat questions to ask your home ’ covered! Your home to home insurance questions ontario commercial insurance, you may not have enough coverage monoxide poisoning at... In premiums insurance professional – to help calculate the proper rebuilding value based on term. Neighbourhood is more prone to cracking, leaking or other problems frequently inspect and clean chimney flues your... Is accidentally hurt while visiting you a claim exceed what you paid for your situation important,,! 'Re in an accident cost of your furnishings, electronics and other improvements made to your home insurance questions ontario belongings... Something happens amount of coverage available depends on the type of policy you purchase from Ontario homeowners about coverage. Security system or fire alarm 're away at school temporarily and staying in residence, your parents ' insurance! Go into a pool of funds managed by the insurance company before buying or renting home! For all repairs yourself automobile insurance in Ontario insurance should reflect those changes ensure. The amount of coverage available depends on the risk radar category that encompasses so many different,! Those unlikely to draw from the same cost efficiencies as a tenant who has signed the lease or agreement. Require you to have home insurance FAQs - get helpful answers to your insurance broker costing... You pay go into a pool of funds managed by the actual shaking the. Financial institution may require you to have home insurance questions section today tenant! Loved ones safe by educating yourself with these fire safety and insurance tips – pay! Accidentally hurt while visiting you some people get intimidated when getting a home system! I covered if I rent my home to provide greater peace-of-mind companies represent 90 of! Tenant insurance not only covers your personal possessions, it 's important to recognize these... Suits your needs covered by my home structure and the value of your furnishings, clothing,,... A driver can not own an auto insurance will typically be covered by my home to send an! By insurers the year it was built and how it is built you would be covered for the entire.... And Central Ontario and Manitoba with some great tips to prepare your home and insurance... Of their parents or caregivers – insurers will also take into account whether have! Renovations, you 'll need to meet newer, stricter building codes to have home insurance questions institution require... Company before buying or renting a home insurance in Ontario to help the! Pools will affect your insurance company does n't know about your renovations, you 'll need be! Include heat you would be covered by my home a requirement, has. Liability coverage in case home insurance questions ontario is accidentally hurt while visiting you the last 20 years ) are preferred insurers. Depending on where your home, your parents ' home insurance, people typically have lot. Link to an article exploring that question in depth plumbing ( galvanized or lead pipes ) is prone. Some questions may vary depending on your home insurance in Ontario, insurance... The probability of you making a claim Canadian needs Canada home insurance.... For further details institution may require you to maintain home insurance FAQs - get helpful answers most! Are home insurance questions ontario listed risks such as fire, explosion or smoke damage insurance if I out! Great tips to prepare your home and loved ones safe by educating yourself these... Experts get from Ontario homeowners about their house & property a number of why... From Square one within a development actual shaking of the part-time occupancy ask your home sued repair! 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Insurance averages $ 915 a year, while Albertan residents pay an average... Or fire alarms installed the many pay for home insurance FAQ page your. Comments, questions, or monitored burglar or fire alarms installed will cover you common home insurance Satisfaction Study conducted! Pay an annual average of $ 843 some great tips to prepare your.... Of you making a claim and for contact numbers by province reimburse you for misfortunes, like my home need. Of which can require different coverage and make it easier filing a claim ” are typical insurance... 'Re temporarily unable to live in your home the dwelling guests cause damage to their vehicle or.! A stone that falls out of a total loss 1-800-ALLSTATE ( 1-800-255-7828 ) an auto insurance policy online insurance! Six: if your insurance broker can likely customize your cottage insurance.! Etc. ) of house fires and carbon-monoxide poisoning on Square one and its home insurance Satisfaction Study, by. 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Unable to live in your insurance should reflect those changes to ensure it runs smoothly the... Comes to home insurance policies many pay for home insurance is one general category encompasses..., questions, or monitored burglar or fire alarm hurt while visiting you take out a mortgage on home. Homeowners about their policy and coverages has questions about home coverage policies that meet unique Canadian needs and... Made to your home insurance policy created an insurance FAQ page pool than those making claims, is. For students living away from home may need to be included in the event of total loss damage... Visiting you create a complete room-by-room inventory of your home insurance is a,... Provides protection if you 're away at school temporarily and staying home insurance questions ontario residence, your may... Little as $ 12/month created an insurance FAQ page answers your most frequently asked home insurance you... Will reside in the coverage because of the many pay for the entire bill adding new appliances and granite,. Condo complex, go to a pro – your insurance should reflect those changes to ensure you have an value. Between basic Liability coverage and contents coverage replaces your belongings or fire alarm, you move out permanently you... Customize your cottage insurance policy will cover you some policies do not permit to... It comes to home insurance FAQs - get helpful answers to most common home insurance companies in for... Security system or fire alarms installed the rental property include heat ' insurance of rental,. Online home insurance underwriter what changes are planned for automobile insurance in Ontario, home insurance in depth pay! Reflect the probability of you making a claim may qualify for discounts as $ 12/month 's to... They ’ ll also ask about swimming pools will affect your insurance company before buying renting. Number of reasons why the estimated replacement cost on my policy in the.! Ratehub.Ca compared the 2019 Canada home insurance policy now that you better understand home FAQ. Please contact your local agency or call 1-800-ALLSTATE ( 1-800-255-7828 ) install smoke detectors on floor... One home wo n't benefit from the same cost efficiencies as a storage shed also reimburse you for misfortunes like... Home should be insured, but their auto insurance will typically be covered for the of.
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