Homeowners Insurance in Ontario & Manitoba

Homeowners insurance

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.

Contact The Standard Insurance for a Homeowners Insurance Quote

The Standard Insurance is here to help with your Homeowners Insurance. With more than 120 years of experience behind us, our brokers are always prepared to find you the best policy for your specific situation and unique needs.

Call us at 1-844-969-8199 for a quote today.

Homeowners Insurance Coverage Types

Homeowners insurance is broken down into different types of coverage based on your needs. The three types of coverage commonly used in Canada are:

  • Fire and Extended Coverage
  • Broad Form Coverage
  • Comprehensive Coverage

This basic home insurance policy type protects your home from:

  • Fire damage
  • Wind damage
  • Some water and glass damage
  • Theft, vandalism
  • Explosion
  • Smoke damage
  • Aircraft or vehicle crash
  • Lightning
  • Falling objects.

This policy does not protect against:

  • Flooding
  • Earthquakes
  • Sewer backups
  • Loss of food due to freezer breakage
  • Other extended types of damage or loss

Broad Form Coverage includes basic insurance policy coverage and extends to offer:

  • Named perils on your contents
  • Loss of food due to freezer breakage protection
  • Credit card theft coverage

Broad form coverage does not protect against:

  • Unnamed perils
  • Lost items (mysterious disappearances)

Comprehensive Homeowners Insurance protects your dwelling and contents from all risks and damage except those excluded in your policy. Each Comprehensive policy is unique; your broker will help you understand the types of coverage excluded in the details of your policy.

Homeowners Insurance FAQs

There are many different types of dwellings, living situations, and considerations for Homeowners Insurance. Here are some of the most common questions our knowledgeable advisors are asked about when it comes to this type of insurance:

The Standard Insurance FAQs
What can I do about my high-value belongings?
What do I do if I am not planning to live in my home for some time?
What if I have a business in my home?

At The Standard Insurance, we pride ourselves for our long-lasting commitment to act as an advocate for every single one of our clients. Our success is measured by their experience and satisfaction:

I had a wonderful experience with Nicolle, I had some issues with my Insurance policy and Nicolle straightened them up immediately. THANKS AGAIN NICOLLE !

TR

“Callie stepped up and provided a very professional service and responded to all our questions in a timely manner. We highly recommend Standard Insurance Brokers.”

Jim & Nicole D

“The agent, Celeste, was very prompt with her responses. She was able to source a favorable and economical premium compared to what I had. Very good service so far.

Oral & Pauline D

“The ladies that work here are great! So sweet and kind! Thank you for the A+ customer service”

Shelly J
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