Damage To Interior or Exterior of Your House

In Ontario, home insurance is not required by law, but most banks will require you to have home insurance if you have a mortgage. Your home is likely your largest investment, so it usually makes financial sense to have your home insured.

Most home insurance policies consist of property and liability insurance. Property insurance covers damages to the physical property of the home, including your contents such as furniture, electronics and jewelry. Liability insurance is designed to cover the actions that you take and events that can happen at your property. If someone falls down your stairs or your dog bites someone, your liability insurance can provide coverage to protect you from that lawsuit.

Property insurance can be broken down to three types: Basic/Standard, Broad and Comprehensive. Our Brokers always suggest a comprehensive form. This covers your home against damages from a wide variety of perils such as: fire, lightening, flood, hail, wind and water. It is also important to be aware that there are some events not covered by insurance. Our Brokers will assess the risk and advise you of the best possible coverages.

Personal Liability for Damage or Injuries

Having a liability policy is crucial in the event a lawsuit is filed by others against you. Someone falls on your property, your dog bites someone or possibly someone falls down your stairs. If an injury occurs they then have a legal right to sue you and you would not want to pay for any judgements against you so having coverage will protect you from the lawsuit. There are many moving parts to homeowners insurance and in order to really have a full understanding of the protection you need it is highly advised to speak to a registered insurance agent as they have been trained and have the knowledge to better inform you of your protections and liabilities. United Link Insurance Brokers understands the type of homeowners policy you will need. Our job as your agent is to find you the best insurance price out there while still maintaining the level of protection you want

Call one of our Home Insurance Specialists now for a quick no obligation quote.

Our Insurance Brokers Are Standing By

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    Wes and Joanna were highly recommended by our close friends and a co-worker. Robert (Paquin?) is the broker we worked with and he was awesome! Very knowledgeable and saved us a lot of money, we will definitely refer anyone needing insurance to them! tks again.

    Jessica Somers Google Reviews
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    More then efficient on any issues I've encountered...

    Norm vincent Google Reviews
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    Robert went above and beyond for us! He worked around our schedule and got us incredibly low rates. He took the time to go over our policies thoroughly and ensured we had coverage we actually needed. Highly recommend!

    Brittany Wright Google Reviews
    This will depend on the value and structure of your dwelling. There are many factors that go into evaluating the rebuild cost of the home. The rebuilding cost is the basis that the insurance company will use to calculate additional factors like replacement costs, content coverage, outbuilding coverage and sewer back limits. Our Brokers have the proper tools to ensure that you are insuring your home to the proper value.
    All policy holders will be provided with a 24-hour telephone number to contact the claims department of their insurance company, day or night. Your Brokers are also available to answer any questions that you may have about this process and if there are any problems, they will work to find solutions for you.
    Tenant insurance has become more common. Landlords will often ask tenants to get Tenant Insurance as an extra layer of protection. For example, if there is a fire at the residence and your belongings are all destroyed, Tenant Insurance will cover your contents and belongings, whereas the landlord’s Property Insurance would not.

    In most cases yes your possessions are insured, but, your insurance company may carry maximin limits you will be insured for no matter the value of these expensive possessions. It is highly advised to speak to a Sudbury Insurance Broker who will work hard on helping you protect your prized possessions.

    Have A Question?

    Home owners insurance can be confusing or overwhelming for many people. Your Sudbury Insurance Broker has gone through all the legalities of fully understanding the Insurance Laws in Ontario. Their vast knowledge in this industry is used to find you the best home and property insurance rate possible.