Home Insurance
Protection
for your home
and everything in it
Home insurance offers protection for what matters to you. Our tailored insurance solutions offer peace of mind and coverage for your most valuable assets, so your home and everything within its walls are protected.
What is Home Insurance?
This insurance is a protective shield for your most important investment – your home. Whether you face a fire, theft, or liability issue, home insurance ensures you can rebuild, repair, and recover without carrying the financial burden alone.
Types of Coverage
Your home is a place of comfort for you and your family. Homeowners insurance offers key coverages to protect your home, including:
- Bylaw endorsement
- Contents insurance
- Identity theft and cyber liability
- Personal liability
- Property coverage
Custom coverage your home deserves
Your home is unique, and so are your insurance needs. With customizable solutions for homeowners, our brokers can tailor your policy to include extra protection for valuables, separate structures, or high-risk areas to ensure your coverage offers security in the face of uncertainty.
Home insurance that is right for you.
There is nothing like the feeling of coming home. We will keep your home and everything inside protected, so it remains a place of comfort.
Frequently asked questions
Find answers to common questions about house insurance.
How are home insurance premiums calculated?
A variety of factors influence the cost of your home insurance premiums, including:
- Age and size
- Building materials
- Home-based business
- Location
- Mortgage(s)
- Number of families in the dwelling
- Proximity to fire hydrant or station
- Type of building (detached, semi, etc.)
- Type of heating system
Am I covered for additional living expenses if my home is uninhabitable due to a covered event?
If you are unable to live in your home due to a covered event, such as a fire or severe damage from a natural disaster, your home insurance can provide financial support to cover living expenses. For additional living expenses, like accommodation costs, meals, and other necessities while your home is being repaired or rebuilt. Connect with a Gifford Carr broker to review your policy and understand the specific details and limits of this coverage.
Should I notify my broker about home renovations?
Absolutely. Renovations can change the value and risk profile of your home, potentially impacting your policy. Updating your broker ensures your coverage stays accurate and protects you during and after the renovation process.
Have more questions?
Contact us for more information.
Insights + Information