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Coverage for Toronto Homeowners

At Home Insurance Toronto, we work with all major insurance companies so that you can get the coverage you need, and the peace of mind you deserve.

Contents

Coverage for your personal belongings, including items in your detached structures and garage.

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Liability

Protection against personal liability for injuries and damage in or around your home.

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Temporary Relocation

Additional living expenses, in the case that you are forced to leave your home because of a loss.

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Ask about saving, with multiline coverage by combining your home insurance with your auto insurance and more

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Contents Coverage

A home insurance policy generally protects both your house and its contents in the event of loss. But it’s important to remember that there is no such thing as a 'one size fits all' policy. Here are the three most common types of policies.

Standard Policy - Named perils coverage on contents

Sometimes called designated risks coverage, named-perils coverage will insure your home's contents against a list of the most common perils covered under your insurance. Named-Perils coverage will typically include risks such as fire, theft, and water damage.

Broad Form Policy - Named perils on contents, all risk on building

An all risks and named perils policy offers a mid-range compromise: a combination of All Risks coverage for your home, and Named Perils coverage for the contents.

Comprehensive Policy - All risk on contents

All-risk contents coverage insures your belongings inside your home for the most common types of losses. When you have All Risk coverage, your contents are insured for everything, unless it's specifically excluded from your policy.


Liability

Liability is a legal responsibility. Liability Insurance protects you from having to pay damages to people, if you've been found responsible for unintentionally injuring them or damaging their property. Here are some examples:

  • If someone injures himself/herself on the property you occupy, you may be responsible for damages. For example, if someone slips on your front steps, breaks his/her leg, and can't go to work, you could be held responsible for the person's lost wages.
  • If you or a member of your family damages another person's property, you may be held liable. So if your son accidentally throws a baseball through the neighbour's window, and breaks an expensive antique, you may have to pay.

Temporary Relocation

If you are forced to leave your home because of a loss, this coverage pays for your reasonable and necessary expenses to temporarily live away from home. Hotel and food costs are the type of expenses that would be covered under such circumstances. There is usually a limit on this kind of coverage.


Our Home Insurance Partners

Intact Insurance
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