Services • HOMEOWNERS

High-value Homes

If you have a distinct home, you may need more than the average homeowner's insurance policy can provide.  We've been packaging comprehensive coverage for the unique needs of higher-end homeowners for years and can offer products that are specialized and customized for you.

Standard Homes

One size does not fit all.  While the majority of homeowners can rely on more standardized insurance products, our agents go that extra step, designing coverage that meets your specific needs.

Do you have a home-based business, a second home, or a boat? Are you renting out your basement suite or running a B&B? Perhaps you've completed extensive renovations with custom features.

There is much to consider and our agents are here to assess all your risks and then look to bundle products, providing better coverage and cost savings.

Condominiums

Think you're covered through your condo package and strata policy? Don't wonder. Talk to us about potential risk and limits to your coverage for things like Betterments & Improvements, Loss of Use, and water exposure.

Tenants

As a tenant, this may be your first exposure to insurance.  We'll work with you to explain the importance of being covered, the limitations of various products, how deductibles work and the consequence of making a claim.  Understand why your insurance history can be as important as your credit rating.

Rental Property

As a property owner, purchasing insurance for your own home is very different from covering a property that you rent.  Our agents can show you the variety of available protection from simple "fire only" to complete all risk coverage.  We'll also tell you about the importance of regular inspections, knowing your tenant, property maintenance, appliance insurance and management of rental income.

Seasonal Properties

Similar to Rental Property coverage, there a many different options available for Seasonal Homes.  Our agents will take the time to review many of the important issues that can effect your coverage including, fire protection, wood stoves, occupancy and help you design a package to specifically address your needs.

Building or Renovating?

You'll need insurance to specifically designed to provide coverage while building or completing extensive renovatioins.  Let us help guide you through the process.