Homeowners Insurance in Ontario, Manitoba & Saskatchewan

A house is more than just a building. A house is where you put down roots, experience special moments, spend time with loved ones, and live your life. A house is a home.

At The Standard Insurance, our priority is to protect your home with customizable Homeowners Insurance. We work with top insurance carriers in Canada to provide a range of prices and coverage to fit your budget and needs.

Your home consists of more than brick and mortar. Therefore, your home insurance policy should cover more than the structure of your house. Depending on your policy, coverage may extend to:

• Belongings: In cases of structural damage, vandalism, or theft, your belongings are covered to the limits set in your homeowners insurance policy.
• Personal liability: Should somebody be injured on your property, your insurance protects you from legal action.
• Additional structures: Sheds, garages, pool houses, and other property structures may be included in your coverage.
• Living expenses: Should you require lodging while your home is being repaired from damage covered by your policy, your alternative living expenses may be covered.

As members of the communities we serve, we understand the challenges observed in specific residential areas. We serve residents in Northwestern Ontario, Manitoba, and Ontario, also taking time to research local weather, geology, and reconstruction values to ensure you receive the best insurance policy.

Choosing Homeowners Insurance

Homeowners Insurance is broken down into different residential insurance products and coverage types.

The most common residential products in Canada are:

Home Insurance

A home insurance policy protects your home’s structure, the belongings inside the home, and you from personal liability on your property. Commonly, this covers:

• Fire damage
• Wind damage
• Lightning strike damage
• Hail damage
• Theft
• Vandalism
• Injury liability

Your policy may extend for optional coverage of:

• Water damage
• Sewer backup
• Food spoilage
• Personal article floaters (outside of personal property coverage)
• Home business

The Standard Insurance will work with you to determine which coverage options are most important to you. We are experts in identifying risks that are unique to the areas we serve and we will ensure you have the best protection available.

Renters Insurance

Renters Insurance is different from typical Homeowners Insurance because you are renting from the property owner. While you do not own the property, your landlord’s insurance does not transfer to fire damage, theft, or personal liability which occurs inside your rental unit.

Typically, the property owner’s policy covers damage and injury to common areas and the outside portion of the property. This depends on the property type and insurance policy.

Renters Insurance protects you from damage to your personal belongings in your rental unit and personal liability involving visitors to your unit.

Condo Insurance

Condos are a unique type of insurance as most condo dwellers own the unit they live in, but not the property on which it resides. Condo Insurance covers your belongings and personal liability.

Seasonal Home Insurance

Seasonal Home Insurance varies based on how often you use the home, where it is located, and other aspects of the property. One of our advisors will work with you to determine the best option for your unique situation and budget. You may even decide to add your seasonal property as an additional location on your Homeowners Insurance policy.