Home Insurance in Burlington
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Which type of property insurance do you need?
Types of Home Insurance
When shopping for home insurance in Burlington, its very important to know which policy you require. There are several home policy types including home, condo, tenant and rented dwelling. Choosing the incorrect one may void your policy should a claim occur.
Answers and Tips
Burlington Property Insurance
Burlington has proven to be one of the better cities in Canada. In fact, it has been named the number one mid-sized city in Canada by MoneySense Magazine in the years 2013, 2014 and 2015!
Burlington is a great city to live. Surrounded by nature and in-between Toronto and Niagara, everyone can enjoy their hobbies! With so many great neighborhoods such as Aldershot, Tyandaga and Brant Hills, Burlington is a perfect city to have a family. As much as we would like life to be all fun and games, there is always risk involved.
Protect your greatest financial asset!
If you purchased your home a decade or more ago, you have experienced wonderful equity gains likely making your home your number one asset. Unfortunately, this asset is exposed to so many risks such as fire, theft and windstorm. Other than purchasing preventative systems such as a fire alarm, theft alarm and fire extinguishers, there is little more you can do to prevent losses. The only real way to fully protect your home is by transferring the risk to an insurance company.
How do you get a quote?
Thinking too much about what can happen to your home can drive you crazy. To fully get peace of mind that you are covered, the best way is to speak to an insurance professional and do a review of your home.
1. Get all the details. We would first ask you questions about your home such as the size, age, build and address of the property. Is it rented out? Is it your primary home? Does the home have custom finishing or basic from the builder? Is the basement finished?
2. Create a replacement cost evaluator. This is one of the most important steps when correctly shopping around for insurance. When shopping multiple insurers you should be using the exact same replacement cost so that you are comparing apples to apples.
3. Decide which coverage and endorsements are required to to ensure the property is fully covered.
4. Using that same information, we then shop Canada’s largest insurance companies and see which provider offers the best rate.
Benefits of Shopping with us
One of the favorite benefits offered by insurance brokers is that yearly renewals are extremely easy. Since the client details are already in the system, getting re-quoted yearly takes one quick text or phone call.
If you own expensive jewelry, you will want to add a jewelry floater to your home insurance policy. Most Home insurance policies come with standard jewelry coverage up to $1,000 per claim. If you own a $12,000 necklace, you will not be reimbursed for it under your standard coverage. You will need to have an appraisal and pictures of the jewelry and you will be charged the premium depending on the value of your piece. It’s very common to insure your engagement ring through your home insurance policy.
Is your home under construction or being renovated?
If you are currently renovating your home, you must notify your insurance company and secure either a separate Builders Risk policy or get an endorsement from your insurance company to allow the renovations. Should you fail to do this, your insurance company may decline a claim or cancel your for non-disclosure.
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For most people, their home is their largest and most important asset. Get The right coverage at the best rates.
More Home Insurance Tips
Rented Home Insurance in Burlington
Are you currently renting out your Burlington home? As a landlord, be sure to have the proper coverage to avoid insurance issues. Insurance companies are denying more claims every year.
One of the biggest mistakes landlords make when purchasing home insurance is believing that a standard homeowners policy covers your rented house. If you currently own multiple properties and have insured them all as primary homes, your insurance policy may not cover your claim as this is considered misrepresentation.
With recent rules in the property insurance industry, most insurers want to have both the primary residence as well as any other rentals on the same policy. Most insurance companies won’t offer a rental insurance quote if they do not have the primary residence.
If you are renting out the basement of your home or perhaps a room, be sure to notify your insurance company. Premiums are not high and usually do not require a second policy outside your primary homeowners policy.
Another tip is to request proper tenant insurance from all your tenants. This spreads the liability over to them as well and covers you in the event of your tenants negligence.
Save More On Home Insurance in Burlington!
Here are three tips to help reduce your property insurance rates
Every insurance company will offer different rates for your home. Shop around for the best one!
Insurance companies love loyal clients, if you have been with your last company for 5 or more years, you will get a better rate.
Get more Great Home insurance rates
We have been providing property insurance quotes across the entire province. Are you looking to move somewhere outside of Burlington? Get the best home insurance quote in your city. View our service areas below! We are constantly adding more!
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Filip Ambroziak is a RIBO (Registered Insurance Broker of Ontario) and LLQP licensed broker operating in Ontario. After many successful years in the industry, he has created a client base covering a range of small to large businesses, builders risk policies, commercial and personal auto, rented dwellings, high worth homes, dealerships, contractors, lawyers, real estate brokerages, non-for-profits and many more.
Filip is partnered with the largest and most reputable insurance companies in Ontario.