Home Insurance

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Home Insurance in Canada

Whether you own or rent, live in a two-story house or high-rise condo, your home and its contents are likely among your biggest investments. Make sure they’re protected with homeowners insurance from the Nation North. We will review your specific and individual requirements and help you decide on a plan of protection that will help ensure your loss is properly compensated, should you be so unfortunate. We will shop our network of trusted Home Insurance companies to provide all the coverage you need with a variety of great discounts to fit your budget.

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What Is Home Insurance?

Home Insurance reimburses you for your financial loss arising from unexpected accidental losses. This includes things such as water damage, vandalism and fire. House insurance also ensures you are protected against legal actions arising from your personal actions or ownership of your property.

If you are renting, Tenant’s Insurance typically offers two kinds of coverages: liability and contents. Liability coverage will protect you from your personal actions that can be held responsible for damage to the building or injury to others who live or visit your rented premises. Content’s coverage compensates you for loss or damage to your personal possessions from accidental losses which include fire, smoke and theft.

Why Do I Need It?

In addition to providing, you with financial security, it is likely that you will require Home Insurance prior to purchasing a home. This is because most banks and mortgage companies will require Home Insurance before lending you money.

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How Much Does Home Insurance Cost?

The cost of Home Insurance depends on the type of insurance coverage you choose and the additional protection options that you may add on.

Several factors affect the cost of property insurance:

  • Location
  • Deductible
  • Contents
  • Type of heating source
  • Type of electrical distribution
  • Pipes
  • Age of roof
  • Claims history
  • Proximity to a fire hydrant or fire station
  • Upgrades and renovations

If you are looking for the lowest cost Home Insurance, ensure that you are still getting the coverage that you need. Some property insurance companies may also increase your deductible to give you a lower rate We recommend talking to your Nation North broker about this.

Here are some ways that can reduce your house insurance premium:

  • Security such as a burglary alarm system
  • Bundle your home and auto insurance
  • Credit check
  • Pay off your mortgage
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How Do I Get Home Insurance through Nation North?

You can begin by filling out our online quote form for your Home Insurance with Nation North. We will shop the marketplace for you to find the most suitable Home Insurance company offering the coverage you need at the best possible price we can find. We’ll ask for some information about you and your property. Here’s some of the information we may need from you:

  • The type of building
  • The type of material that covers the exterior of your home
  • The year your home was built
  • The type of material your roof is made of and the year it was last replaced
  • The square footage of your home, excluding the basement; if you have one.
  • The type of heating and ventilation systems you have in your home.
  • Heating fuel type.
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