Home Insurance

Home insurance built around how you actually live.

Compare coverage for your dwelling, belongings, and liability — then talk to a licensed agent about the policy that fits your home.

Licensed Agents
Multiple Coverage Options
Support When You File a Claim
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Coverage Types

What a homeowners policy typically covers

Coverage is organized into a few core categories. Your policy details will confirm your specific limits.

Dwelling Coverage

Helps cover the cost to repair or rebuild your home's structure after a covered loss.

Other Structures

Covers detached structures on your property like a fence, shed, or garage.

Personal Property

Helps cover the cost to repair or replace belongings like furniture and electronics.

Personal Liability

Helps cover legal and medical costs if someone is injured on your property.

Loss of Use

Helps cover added living costs if your home becomes temporarily unlivable after a covered loss.

Medical Payments

Helps cover medical costs for a guest injured at your home, regardless of fault.

Policy Options

Coverage matched to your type of property

Homeowners

Standard coverage for single-family homes you own and live in.

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Condo & Co-op

Coverage for interiors and belongings, alongside your association's building policy.

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Landlord / Rental

Coverage designed for properties you own and rent out to tenants.

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Mobile / Manufactured Home

Coverage designed around the specifics of mobile and manufactured homes.

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What Affects Your Premium

A few factors that typically shape your rate

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Location

Regional risk factors like weather and local claims history can affect your rate.

Home Age & Construction

The age, materials, and condition of your home factor into your quote.

Coverage Limits & Deductible

Higher coverage limits or a lower deductible generally affect your premium.

Claims History

Your prior claims history can be a factor in how your policy is priced.

Bundle & Save

Ask about bundling your home and auto policies

Combining policies with the same provider can simplify your coverage and may be worth exploring as part of your quote.

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Getting a Quote

A simple four-step process

1

Share Property Details

Tell us about your home, location, and the coverage you're looking for.

2

Compare Coverage Options

Review coverage types and policy options that fit your property.

3

Agent Reviews Your Quote

A licensed agent follows up to confirm details and answer your questions.

4

Choose Your Policy

Select the coverage that works for your home and budget.

Service Areas

Areas we currently serve

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Not sure if we cover your location? Contact us and we'll confirm availability for your address.

Get In Touch

Request a quote for your home

Share a few details below and a licensed agent will follow up with coverage options and pricing.

By submitting, you agree to our Terms & Conditions and Privacy Policy. Submitting this form does not guarantee coverage approval or bind any policy.

FAQs

Common questions about home insurance

Most policies cover your home's structure, personal belongings, personal liability, and additional living expenses if you're temporarily displaced after a covered loss. Exact coverage depends on your policy.

These are typically excluded from standard policies and often require separate coverage. Ask your agent whether additional coverage makes sense for your area.

Premiums are based on factors like your home's location, age, construction, coverage limits, deductible, and claims history.

Most mortgage lenders require homeowners insurance as a condition of the loan. Requirements can vary, so it's worth confirming with your lender.

Bundling is often available and can simplify managing your policies. Ask us about bundle options as part of your quote.

Contact us by phone or the enquiry form with details about the loss, and we'll guide you through the next steps.

Coverage can typically be reviewed and adjusted as your needs change. Contact us to discuss updating your policy.

Ready to protect your home?

Tell us about your property and get coverage options that fit your budget.