Homeowners Insurance

Home insurance from InsureCert provides owners, co-owners and tenants with comprehensive and customized all-risk home insurance coverage to protect their home. Choose InsureCert and get access to great rates and exclusive benefits!

What is Homeowners Insurance good for?

Home insurance helps to protect your home and contents in case of unexpected events, such as fire and theft.Homeowners policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others. They also include additional living expenses if you're temporarily unable to live in your home, and personal liability coverage for harm to others.

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and assets in the home, on the property, or in the car. The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property or when travelling away from home. Every homeowners insurance policy has a liability limit, which determines the amount of coverage the insured has should an unfortunate incident occur. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which in effect is the out-of-pocket costs for the insured. The higher the deductible on an insurance contract, the lower the monthly or annual premium on a homeowners insurance policy.

Who is Homeowners Insurance for?

If you own a home you need insurance.It is one of the biggest investments you will ever make - and if you need a mortgage to help out, you need insurance to get one.  Once the home is yours, you fill it with all your family belongings! Everyone's home is vulnerable to fire, smoke, weather, vandalism, theft, and other risks.  Home insurance is not mandatory in Canada, but why risk losing it all?

Why would I need Homeowners Insurance?

Buying a home is one of the biggest investments you will ever make. No matter how well built your house is, it can still be affected by fire, vandalism, or other types of damage. You need to be able to cover the cost of replacing your home or someone else’s property, or costs related to the injury of a third party if something does happen. If you cannot afford these types of expenses, you need insurance to help you cover the cost in a worst-case scenario. Not having insurance leaves you open to a high level of risk from multiple sources.

Home insurance is not legally required in Canada if your house is fully paid for, but you will need to purchase home insurance in order to get a mortgage.

If you are applying for a mortgage in order to purchase your home, your lender will require you to obtain house insurance before the closing date. Although making the mortgage payments is your responsibility, your lender has a stake in your property so making sure it is properly insured protects their investment.

What does Homeowners Insurance cover?

Home insurance policies provide these different types of coverage.

Coverage A: Dwelling, covers your house and the cost to rebuild or repair in the event of serious damage or destruction.

Coverage B: Detached Structures, covers structures not directly attached to the house, like garages, workshops, storage sheds, etc., and the cost to repair or replace them.

Coverage C: Home Contents, covers all  your personal possessions at home, in your car, and while you travel.

Coverage D: Additional Living Expenses, cover the costs if you are forced to leave your home while it is being rebuilt or repaired. It includes costs such as rent or hotel rooms, restaurant meals, and other incidental expenses. Home policies also include Personal Liability for Damage or Injuries, which protects you from lawsuits filed by others. if someone is injured on your property, or  you are  liable for injuring someone away from home, or if you accidentally damage someone else's property, a home policy has you covered.

What does Homeowners Insurance not cover?

Predictable events and maintenance issues are not covered by insurance. If damage could have been prevented by proper maintenance of your home, it will not be covered. Anything that is not specifically listed in your policy will not be covered, so make sure you add any coverage you think you will need. For instance, earthquakes and floods are not 'expected', but they are a reality we all know about, so they are not 'unexpected', and they are not included in a home policy. Additional coverage must be purchased.

What does Homeowners cost?

The home value, location to fire halls and fire hydrants and contents play a major role in prices. However, homeowners policies can be surprisingly affordable. For a basic condo policy, expect prices in the range of $37 / month.

Why buy your Homeowners insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? We don’t even need to see equity ownership or financial statements from you.

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As a digital company, InsureCert passes the savings for unnecessary administration on to you—for the most competitive price you’ll find anywhere.

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Protect your startup with the broadest coverage in the industry. You can tailor policies to your needs by choosing your own limit and deductible.

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We provide you with expert answers no matter your question: Reach us 24/7 via phone, email or live chat. You even get a personal account manager to look after you and your insurance needs.

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Still wondering about Homeowners Insurance?

Here are some real world examples of claims:

1. Damage to your home

Your home could be your most valuable asset and insurance will help protect it from fire, lightening, explosion, smoke, weather, vandalism, and theft among other potential sources of damage to the inside and outside of your house. Insurance may also cover living expenses if your home is damaged so much as to be uninhabitable.

2. Damage to your personal property

If your home is damaged by anything covered in your policy, your possessions are also covered up to a certain limit. Your personal property is also covered when you travel.

3. Personal property stolen from your car

Items stolen from your vehicle are covered by your home insurance policy.

4. Liability

One reason you might not think of right away is liability insurance. Home insurance includes liability coverage in case someone gets injured on your property and takes legal action. This extends not only to your home, but anywhere you go. If you are liable for someone’s injury, you may be covered by your home insurance policy even if it does not happen in your house.

5. Accidental damage to someone else’s property

If a fire were to start in your home and spread to a neighbor’s house, the damage to their house would be covered by you home insurance.

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