Home Insurance

Whether you own or rent, it is important to protect the people you love and the things you cherish. The ability to customize your home insurance to your needs has never been easier, and we are here to help you pick coverage most suited for you.

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Liability Insurance

Whether you have tenant, condo, or homeowner insurance, your coverage includes Personal Liability coverage at an amount that you choose. Liability coverage protects you in the event that a third party takes legal action against you. Most people realize this covers them if a guest hurts themselves on your property and sues you, but people are often surprised to realize that some policies will offer liability coverage that protects you from liability claims occurring anywhere in the world.


Types of Policies

Homeowners Insurance

Your home is likely your largest single investment. As such, it is important to have it properly covered in the event of a loss.

Types of Coverage

There are many different types of homeowners insurance from a basic policy that covers you for fire loss, to a policy which covers you for almost anything that could occur.

Amount of Coverage

Insurance coverage for the home should always be based on what it would cost an insurance company to rebuild the home after a loss. Rebuilding cost includes not only the cost of labour and materials, but also the cost to remove debris. Unlike new construction, there can be substantial costs removing the debris of the damaged home before you even begin re-construction.

It is important to note that rebuilding cost is often very different from real estate values.

Other Special Coverages and limits

Detached Structures – This is coverage for any detached garages or sheds

Personal Property – Coverage for your contents inside the home. It is important to discuss whether your insurance company will depreciate your contents in the event of a loss, or whether they allow you to go and purchase new items to replace your old items. You should also review the special limits with regards to your contents. All policies will limit the amount they will pay for items such as: Jewellery, furs, money, computer equipment, sporting equipment, CDs and DVDs and collectibles. You should always be fully aware of the special limits of insurance

Additional Living Expense – In the event of a fire, it often takes up to a year to rebuild your home. Additional living expense will pay for temporary lodging while your home is being rebuilt.

Liability – Your homeowners policy also includes personal liability coverage at an amount that you choose.

Optional Coverages

  • Earthquake
  • Sewer backup
  • Overland water
  • Ground water
  • Umbrella liability
  • Riders for special items

Contact us to help you tailor a home insurance policy specific to your needs.

Tenants Insurance

Just because you do not own your apartment does not mean you should not have insurance. Tenants insurance covers your contents in the event of a loss, and also covers you for liability. Policies can be tailored to pay the value of your contents, or to pay for new contents to replace your old damaged contents. Often the minimal cost of tenants insurance can be covered by discounts on your auto insurance. Contact us for details.

Condominium Insurance

Condo insurance is very similar to Homeowners insurance, except in many cases you are not required to insure the building. It is important to know that every condominium is different. Some condominium units require you to insure the walls, flooring, cupboards, and any fixtures and fittings, whereas other condominium corporations may only require you to insure your personal contents and any improvements or betterments you make to the unit. Condominium insurance may also cover you for losses assessed to you from the Condominium corporation, or even application of the condominium deductible. We can custom tailor condominium insurance to your specific situation, please contact us for details

Cottage Insurance

Insurance for your cottage is extremely important considering you are not always there to monitor the property. We have coverage options available for a wide range of cottages from summer homes, to island retreats. Please contact us for details

High Valued & Heritage Home Insurance

High Valued Home

Not every house is built the same. Elliott Insurance Services understands this and carries speciality markets for high valued homes and has extensive experience insuring heritage & plaqued homes.

High valued home insurance companies specialize in making sure you are properly covered & older homes need special care not only physically, but in terms of insurance as well.

Click here for more information.

Save on your home insurance:

Everyone likes to save money on their insurance, and home insurance is no different. We have listed some possible areas where you could save money on your home insurance below.

You may be eligible for the Multi-Policy Discount which could save you up to 10% on your home insurance if you have an other policy with the same insurance company. Please contact us to discuss how we can take advantage of this discount.

Some companies will offer discounts if you allow them to combine your home and auto insurance into one policy. You may be eligible to combine your policies and save up to 17.5% on your policies. Please contact us to discuss if you are eligible to combine your policies today.

You may be interested in raising your deductibles to reduce your premium. Please contact us to discuss this and other cost saving options.

The Latest Home Insurance Articles From Our Blog


Meeting with Insurance Broker

Should I Tell My Broker?

by: Elliott Insurance Services
2017-07-26

Knowing what information will affect your insurance policy is important to not only keeping your insurance policy in good standing, but to also have a chance at lowering your premium. Everyone knows the basic things you should keep your broker up to date on such as possible claims, auto tickets, address changes, bank changes, etc. It is possible that you… Read more »

Historical House Insurance

How to Insure a Heritage Home With a Plaque

by: Elliott Insurance Services
2017-06-21

Older homes need special care not only physically, but in terms of insurance as well. If your house has a plaque or is over a century old, you may have a hard time finding insurance. The insurance industry doesn’t dislike older homes, but the municipalities will have special bylaw restrictions on repairing or rebuilding the home with a plaque that… Read more »

Getting a bill in the mail for a fire department call may be a bit unsettling, but that is exactly what is happening to homeowners all over Canada. At first there is a shock of getting a bill in the first place, and then there is a serious concern when you realize it is not from your municipality or local… Read more »