Home Insurance

Protection for your most important assetts.

Our team of expert brokers understands that your living situation is as unique as you are and that all home insurance policies are not created equal. We don’t believe in cookie-cutter insurance plans, and that is why we offer our clients tailor made insurance solutions to fit your needs at the lowest possible price.

Homeowners insurance

coverage

Your home and personal property is likely your most valuable asset and represents years of hard work and sacrifice. It’s loss would be devastating. The right insurance plan will help ease the financial burden of such a tragedy.

Property

Home and property insurance protects against fire, lightning, wind and other potential perils that may require repair or replacement of your home and belongings. If something happens to your house, your insurance will pay to repair or replace damage that’s covered under your policy. It will also cover any damaged or destroyed property, either within the usual policy limits or through additional coverage that you can purchase for your most cherished items.

Liability

Liability coverage protects you from financial responsibility for unintentional injury or damage caused to other people or their property. For example, if a visitor is injured when they slip and fall on your icy driveway. Your liability coverage applies anywhere in the world and extends to any family members who live with you. Looking for the benefit of extra protection? A Personal Umbrella Liability endorsement allows you to increase the liability coverage provided by your home, auto, seasonal and watercraft policies. It’s convenient and affordable.

Personal belongings

Often called contents insurance, this protects anything you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered no matter where they are (whether they’re in your house or not).

Identity theft

This covers you and anyone else on your policy in case your identity is stolen. Get reimbursed for the legal fees and expenses for replacing legal documents up to a limit.

Extra expenses

In case something happens and you can’t live in your home – you’re covered while your house is being repaired. Choose to stay in a hotel or with friends and family, we’ll provide you with the cash either way. Renting out part of your home at the time of loss? You’ll also be covered for your net rental income until your tenants can move back in.

Tenants Insurance

Tenants

As a renter, you can rest easy knowing your tenant insurance covers you in many different ways.

Liability coverage

Liability coverage protects you from financial responsibility for unintentional injury or damage caused to other people or their property. For example, if a visitor is injured when they slip and fall on your icy driveway. Your liability coverage applies anywhere in the world and extends to any family members who live with you.

Your own personal property

This includes the things you yourself own, wear or use regularly while you’re in your rented space. Things like your jewelry, your clothes and your shoes, and your electronics.

Additional living expenses

You’re eligible for financial help if your apartment is considered unfit to live in or if you’re not allowed in because the police are doing an investigation. The total you’re eligible for is 30% of the value of your belongings.

Rental Properties

Do you own a home, a duplex or a condo unit that you rent out to others for income? Value Insurance has a wide variety of coverage options available for you. Whether or not you insure your main residence with us, we can place coverage for your revenue/rental property and the income you receive from it.

Condo Insurance

Liability

Liability coverage protects you from financial responsibility for unintentional injury or damage caused to other people or their property. For example, if a visitor is injured when they slip and fall on your icy driveway. Your liability coverage applies anywhere in the world and extends to any family members who live with you.

Your own personal property

This includes the things you yourself own, wear, or use. These are things like your furniture, your clothes and shoes, and your TV.

Improvements that you make

This includes anything you do to improve your condo, like laying new floors or renovating your kitchen.

Immovable parts of your condo

This includes things that you own but can’t pack up and take with you when you move, like your countertop, your bathtub, and your sinks. You’re eligible for this coverage if your condo company or association doesn’t have this coverage or if their coverage isn’t enough.

Seasonal or Secondary Homes

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Do you enjoy your piece of paradise all year round, or seasonally? How you use your cottage property affects the type of insurance you need.
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Broad Coverage gives you extended protection for your year-round cottage. It includes coverage for detached buildings, like a boathouse or shed, as well as your belongings.
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Basic Coverage protects seasonal cottages and your belongings. This plan gives you the option to add protection for seasonal detached buildings.
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The Cheapest Auto Insurance will pace coverage for your Seasonal Cottage or Secondary home.

Get the coverage you need at  prices that are affordable.