Home Insurance

Get homeowner, condo or tenant insurance quotes from the largest insurance companies in Canada! Call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca

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Home Insurance Quote

Home Insurance Broker

What sets insurance brokers apart from agents or directs? One of the many benefits is that brokers are able to shop multiple insurance companies at once offering the most competitive rate for your home on the market.

Want to save on your home insurance policy? Try bundling your home with your auto insurance and save up to 20%! 

Property Insurance

If you have tangible assets, you need the protection of a Property insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well written policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

Looking for mortgage insurance? That is a different policy altogether and is grouped under the “life insurance section”.

Renting It Out?

If you are the owner of a home which you are not currently living in, the insurance company needs to know. 

Is it vacant? Are there tenants in the house? These are questions that need to be answer before the policy is issued instead of after a claim as the company may deny you. 

If you are renting it out, the policy you will be looking for is called a Rented Dwelling Policy or a Rented Condo policy if its a condo. 

Do not make the mistake of insuring it as a regular homeowners policy as this may result in your insurance company cancelling your policy for misrepresentation if they find out. 

Home Under Construction?

If you a constructing your home or doing major renovations, you will require a Builders Risk insurance policy

A standard homeowners policy will not cover your home is a claim were to arise resulting from construction or major renovations. Always let your insurance broker know if you plan on making any major changes to your house.