Home » Insurance and Information for People and Businesses » Frequently Asked Questions . Allstate offers many discounts that can help you save even more like a Claim-Free Bonus if you go 12 months without making a claim* (excluding Ontario). Replacement costs can include things not included in the resale value, such as the cost of skilled labour, debris removal, extra expenses from stricter building codes, and so on. There are a number of reasons why the estimated replacement cost could exceed what you paid for your home. Buying a home with a pool? Is there a guaranteed replacement clause in my policy in the event of a total loss? Should you have any other questions about your home insurance policy, Square One, or Square One’s home insurance underwriter, please feel free to call 1.855.331.6933 or email us. To save time, browse through our Frequently Asked Questions. For more information regarding eligibility for this discount, please contact your local agency or call 1-800-ALLSTATE (1-800-255-7828). Home Insurance FAQs. Our home insurance FAQ page answers your most frequently asked home insurance questions. What's the difference between home and condo insurance? Am I covered if I rent out my cottage and something happens? While these are general terms that may not coincide with the specific wording your insurance company uses, they do highlight the fact there are different types of insurance policies you can buy. © 2020 COPYRIGHT ALLSTATE INSURANCE COMPANY ALL RIGHTS RESERVED. Starting with the basic notion that all homeowners should insure their houses according to the cost of rebuilding the house in the event it was destroyed, there are three ways of determining adequate home insurance coverage. Generally, common areas are considered to be any areas outside your unit, like the parking lot, lobby, pool, and recreation centre. While every condo association will have specific details in its master insurance policy, as a condo owner you're typically responsible for everything inside your unit's walls. A tenants' insurance policy should include both. Get a free online home insurance quote in 5 minutes from Square One. As a dependant and student temporarily living away from home, the personal property your teenager takes to college or university would be covered under your homeowner’s policy. ... Home & General Insurance Questions. While this brochure is intended to provide information in regards to basic insurance questions, your insurance representative is the best resource for any specific questions you may have. Each answer includes a link to an article exploring that question in depth. Here are seven factors insurers look at when determining risk. Find tailored home insurance coverage with Intact and protect what you value by choosing the coverage you need: House : Protect home and outdoor structures such as the garage, gazebo or shed. Most insurance policies set specific limits, but we have a better way: Only TD Insurance offers the Million Dollar Solution ®, so you can enjoy the flexibility of one overall amount of coverage for your home, belongings and additional living expenses.This covers the replacement or repair of your home and belongings. Condo fees are mandatory, non-negotiable monthly fees that represent your share of the costs to run the condo building and complex as a whole, including insurance. Homeowners insurance also protects you, your family members and your pets, if someone else is hurt at your home or away from it. Why do I need condo insurance if I'm already paying fees that cover the condominium complex? Find here answers to most common home insurance questions. It also provides coverage if you accidentally cause damage to the rental property. Improperly installed or maintained wood stoves are a common source of house fires and carbon monoxide poisoning. Second, go to a pro – your insurance professional – to help calculate the proper rebuilding value based on your home details. Visit Claims to find out how to report a claim and for contact numbers by province. Where you live – if your neighbourhood is more prone to break-ins, you may pay more for insurance. Should I get my own home insurance? Allstate offers additional coverage for students living away from home. Part of the reason why is that home insurance is one general category that encompasses so many different homes, policies, and coverage. Your insurance should reflect those changes to ensure you have adequate coverage. Some policies do not permit you to rent your home out, even for a brief period. Home insurance policies include personal liability coverage. A recent home insurance survey found that most Canadians don’t know key details about their properties, highlighting the importance of pre-fill data for Canadian home insurance … For example, the condo corporation's master policy would usually cover the drywall and primer, but your policy covers the paint you put on the walls. Do you have the right coverage? If you're away at school temporarily and staying in residence, your parents' home insurance policy will cover you. Essentially, your premium is calculated to reflect the probability of you making a claim. Other factors – insurers will also take into account whether you have a monitored security system or fire alarm. The following guide provides you with some great tips to prepare your home for winter and ensure its safe and free from damage. Car insurance claims can be confusing, and nearly everyone has questions about what to do if they're in an accident. Home Insurance⊸ What about getting extra protection for my home? Call Us: 1-800-731-2228 Or have us contact you how and when you prefer. With more people contributing to the pool than those making claims, there is always enough to pay claims. To make it easier for you, I’ll give you the list of questions that will be asked, so you’ll know ahead of time. * Discount calculated based on prior term’s total written (paid) premium. Contents coverage replaces your belongings in the event of total loss or damage. I'm probably not the only person to purchase a homeowners policy without a plan. Basic Liability coverage provides protection if you or your guests cause damage to your building, including your unit. Frequently Asked Questions. While some policies cover minor remodeling work, always check with your insurance representative to be sure, even if you think the changes are small. Protect your home and belongings with coverage that suits your needs. What if I rent my home out for a short period of time and come home to find it burglarized? This will also reimburse you for misfortunes, like a stone that falls out of a ring. Also provided below is information on Square One and its home insurance underwriter. BuildDon't over-insure your home by including the value of your land, which can significantly add to your home's market value but isn't part of the insured value. In fact, a driver cannot own an auto insurance policy in Ontario until they have a full driver’s license. Ontario Automobile Insurance Examination Application Size: 163 kb Size: ## kb Application request to be used by out-of-province applicants requesting to write the local knowledge exam prior to applying for a General Insurance Agent or Full Adjusters Licence What is a property insurance premium? Use the form below to send us an email with your comments, questions, or concerns. Replacement cost – the size and composition or your home as well as your contents are the factors that will impact the cost to replace your home and belongings. Request a home insurance quote online now. Home features and characteristics: Your home's age, structure, wiring, type of roof, garage, etc., can affect your homeowners insurance premium. Don’t be intimidated. Your auto liability protects you if you are in an accident and you’re held legally liable for injury or death to other people. Your monthly condo fees help pay for the insurance the condominium association (also called a condo corporation or board) needs for the condominium building, common areas, and liability. Just as the owner of a house needs home insurance, you also need condo insurance to cover your condo unit and contents and to provide personal liability protection. For a fast, free and accurate Ontario INSUREPLUS™ house insurance quote just give us a call at 1-888-310-7283 (SAVE) or a bit of -information on the “Request a Quote” . Install smoke detectors on every floor and change batteries regularly. Here are some of those FAQs – plus, of course, answers – that will help you determine how to get the coverage that’s right for you. Keep your home and loved ones safe by educating yourself with these fire safety and insurance tips. It depends on the value of your home’s physical structure and the value of all of your personal property (e.g. Here are four things to consider that can help lower your premium : As well, in addition to shopping around and comparing both prices and coverage, there are three more ways you can further reduce your home insurance premium : Replacement cost is the total cost your insurance company will pay to fully rebuild your home if it is destroyed. Demolition and preparation costs need to be included in the replacement cost. 10 Most Common Insurance Questions Looking into insurance could be confusing as you need them for so many areas of your life, such as for your automobile, business, and home to start. Age of roof – newer roofs (within the last 20 years) are preferred by insurers. Home insurance is a way to protect your home and your possessions against financial loss if they are damaged, lost or stolen. However, some also believe that simply having cottage insurance fully protects you when renting out a vacation home – which is also not the case. Pipes – older plumbing (galvanized or lead pipes) is more prone to cracking, leaking or other problems. Home insurance coverage and premiums vary from one company to another and from one policy to another, so it pays to ask questions before you buy. It’s important to speak to your insurance company before buying or renting a home with a wood-burning stove. If, however, you move out permanently, you'll need to buy your own tenant insurance. Severe weather, calamities or accidents may damage your home beyond repair. Yes, individual claims history is important, but even among those who have never made a claim – which reflects many policyholders – there is still the chance of a claim being made. Learn about how swimming pools will affect your insurance coverage & costs. Heating – there is far less risk with forced-air gas furnaces or electric heat than oil tanks. Are renovations I've had done covered by my home insurance? People who decide not to buy contents coverage often fail to recognize how much it would cost to replace everything they own, even if their impression is that they own little of significant value. For example: Mortgaged homes. Find out more today. Below are 10 important questions to ask your home insurance broker when costing out a home insurance quote. Location: Rates vary depending on where your home is located. Whether you suffer damage due to floods, earthquakes or ice storms, Canadians know that crisis can Bundle your home and car insurance with the same insurance company. Why is the replacement cost on my policy more than what I paid for my home? Why is my vacation property insurance a "Named Perils" policy, and not a "Comprehensive" policy, like my home? Read more now. Electricity – there are several factors such as: the type of wiring you have (breakers pose less risk than fuses; knob and tube wiring can increase the chance of fire). Home insurance may help protect your home and its contents in case of theft, loss or damage to the inside and outside of your home or property. All of which can require different coverage and policies and premiums. Do home insurance policies vary from one insurance company to another? The first set of questions … It's important to recognize that these perils are not automatically included in home insurance policies. The "named perils" are specifically listed risks such as fire, explosion or smoke damage. * PC auto insurance and home insurance are arranged for by PC Financial Insurance Broker Inc. and are underwritten by a number of selected Canadian insurers. For example, if a visitor slips on your driveway and you are found legally responsible, you would be covered for the damages. Am I responsible if I sublet my apartment? To ensure that you are not overpaying for your car, home, motorcycle, life and commercial insurance, we invite you to compare your rate to the lowest rate available from InsuranceHotline.com's database of over 30 insurance companies, through our network of licensed insurance professionals. Protect the things you’re passionate about with insurance for your seasonal home, boat, motorhome, recreational trailer, motorcycle, collector car Disclaimer 2, ATV or snowmobile. There are limits and exclusions that apply to your personal property, so be sure to check with your insurance company about how much coverage is right for you. This isn't the best way to buy insurance — one of the many lessons I learned as a first-time homebuyer — but closing on a home is stressful. Its member companies represent 90% of the property and casualty (P&C) insurance market in Canada. We welcome and value your feedback. While some cottage owners think that renting out their cottage requires them to hold commercial insurance, this is no longer the case. Construction on your home may need to meet newer, stricter building codes. The personal liability coverage on your home covers you at home or anywhere in the world for bodily injury to others or if you accidentally cause damage to another person’s property. It'll help you get the right coverage and make it easier filing a claim. © 2020 ThinkInsure Ltd. All Rights Reserved. Get the best home insurance coverage and rates from Durham Region's home insurance broker - Best Buy Insurance. PC auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario… Homeowners buy insurance to protect them from any damages and losses to their home and contents. You may be renting, but all of your furnishings, electronics and other personal belongings are certainly valuable to you. Fees go towards maintenance and into a reserve fund as a contingency to pay for significant expenses such as a new roof or heating and plumbing repairs. Household fires can be devastating. Your insurance broker can likely customize your cottage insurance policy to include rentals, sometimes without any increase in premiums. ... Quebec residents may call 1-800-769-2526 for questions about their policy and coverages. Some people get intimidated when getting a home insurance quote, as the amount of questions being asked can often seem overwhelming. But, the amount of coverage available depends on the type of policy you purchase. It may also help you cover additional living expenses if you're temporarily unable to live in your home. You may want to consider buying a Personal Articles Floater which provides all risk coverage for theft and mysterious disappearance. Our home insurance FAQ page answers your most frequently asked home insurance questions. furnishings, clothing, appliances, entertainment systems, etc.). What's the difference between Basic Liability coverage and Contents coverage in tenants' insurance? How can I lower what I pay for home insurance? Or, a robbery or break-in may put your home on the risk radar. A contractor rebuilding only one home won't benefit from the same cost efficiencies as a builder constructing many homes within a development. The best home insurance companies in Canada for customer service aren’t the most expensive providers, nor are they the most popular. Serving Members in Southern and Central Ontario and Manitoba. Call me. Upgrades, renovations and other improvements made to your home can make rebuilding it more expensive than the original cost. And third, take stock of what you own and create a complete room-by-room inventory of your belongings. ... What changes are planned for automobile insurance in Ontario to help reduce rates? Ratehub.ca compared the 2019 Canada Home Insurance Satisfaction Study, conducted by J.D. Tenant insurance not only covers your personal possessions, it also provides personal liability coverage in case someone is accidentally hurt while visiting you. If you install a home security system and/or a monitored fire alarm, you may qualify for discounts. Unlike car owners– who must by law have car insurance to cover their civil liability, house and condo owners aren’t legally required to have home insurance.However, it may be a requirement in certain situations. Very much so, although there are broad similarities. How do they do that? Sewer back-up coverage, especially if your home is in a low-lying area or is an area where storm and sanitary sewers are combined, can provide vital coverage. Here we have listed some of the most common car insurance claim questions with quickie answers. The following factors may influence your rate for home insurance:. No. Have the improvements you've made affected the replacement cost of your home? The payments – or premiums – you pay go into a pool of funds managed by the insurance company. Home Insurance FAQs - Get helpful answers to common questions our home insurance experts get from Ontario homeowners about their house & property. We've been serving home insurance customers throughout Ajax, Pickering, Whitby, Oshawa, and surrounding areas since 1946. Remember that your home should be insured for what it would cost to rebuild it. Have a fireplace? Helpful home assessment checklists can be found online. 1-855-550-5515 Auto Insurance Earthquake coverage, for example, covers loss or damage to your property caused by the actual shaking of the earth. There are generally three types of policies, known in the industry as the Standard (or Basic), the Broad, and the Comprehensive. In the simplest of terms, insurance works by having the payments of the many pay for the losses of a few. Buy home insurance in Ontario for as little as $12/month. Materials used to build your home may have gone up in price or may no longer be available. Allstate recommends the following tips to help keep your home and family safe: Every home should have an emergency preparedness kit to help ensure you and your family are able to get through the first 72 hours of an emergency. If you have a mortgage on your home, your lender may require you to maintain home insurance to protect themselves against loss. Without this coverage, you could be sued for repair costs and financially responsible for the entire bill. Additional protection, also known as optional coverage, can be purchased to provide greater peace-of-mind. Insurance Bureau of Canada is the national industry association representing Canada’s private home, car and business insurers. Answers to common home insurance questions you may have are provided below. They cause significant damage, destroy valuable possessions and claim many lives each year. Here are six : If your insurance company doesn't know about your renovations, you may not have enough coverage. Your condo corporation contract will indicate the common areas for your condo complex. Frequently inspect and clean chimney flues and your furnace. Refer to your condo corporation contract or office for further details. Many insurance companies will offer a lower rate corresponding to the lower risk of fire loss by removing the threat of fire from careless smoking. A G1 driver does need to be insured, but their auto insurance will typically be covered by one of their parents or caregivers. Quit smoking. You’ll learn about essential tasks you need to do so that your home and property can weather (pun intended) the usual Ontario wintry blast. What is a term to 100 policy? Typically, fees cover at least part of your water and hydro, and may include heat. We may have answered your questions already! For the most accurate information, take five minutes to answer a few questions about your home to receive and compare home insurance quotes from top insurance companies. Oil tanks have the potential to cause costly environmental hazards. When it comes to home insurance, people typically have a lot of questions. In Ontario, home insurance averages $915 a year, while Albertan residents pay an annual average of $843. They’ll also ask about swimming pools and other structures on your property such as a storage shed. Wording and what’s covered in individual policies vary from one insurer to another. Some questions may vary depending on your specific situation. Power, with the premiums they would charge a specific homeowner.. Your homeowner's policy is sold with the expectation that you will reside in the dwelling. Get answers to common questions. What follows is a brief overview of four basic types : To determine an appropriate premium for you to pay for home insurance, insurance companies first need to determine the likelihood of you making a claim. Read more now. Find the answers to your questions in our Frequently Asked Questions (FAQ) section today. Take a thorough inventory of your possessions to ensure you have an accurate value. The plan should cover items such as: Post your plan in a common location and practise it to ensure it runs smoothly. The insurance company cancelled my home insurance. Always check with your insurance representative before considering any kind of rental. For example, by expanding your kitchen and adding new appliances and granite countertops, you have added value to your home. Other terms and conditions apply. What you consider your home might be a single detached house, a condominium, an apartment you’re renting, or perhaps a second home or seasonal cottage, vacation home or recreational property – all of which can have different risks and sustain different types of loss or damage. Following some catastrophic events (such as a wildfire), labour and building materials may be scarce, resulting in inflated construction costs. What's the difference between Comprehensive, Basic/Named Perils, Broad, and No Frills coverage? As a tenant who has signed the lease or rental agreement, it's important you protect yourself by buying tenants' insurance. It also covers damage to their vehicle or property. Below are answers to 10 questions that will help you determine the insurance that is best for your situation. ⊸ Don’t plug too many appliances into one outlet. Copies of essential family documents and records, Safe exits from your home or neighbourhood, A trusted, designated person to take care of children or pets if you are unavailable. If you'd prefer, you can also contact CAA by phone. Property Claims: Allstate’s Claims team is here for our customers day or night to help you get on with your life as simply as possible. Allstate recommends including items such as: You should also prepare a plan with your family and practise what you will do in the event of an emergency. Our Ontario INSUREPLUS™ home insurance brokers are a able to arrange a low-cost home insurance package that suits your living style and your budget no matter what you call home. Unlike insurance for your primary home, vacation property insurance is almost always provided as a "Named Perils" policy because of the risk associated with part-time occupation of your vacation home. If you don't have home insurance and your home is damaged by an event you will have to pay for all repairs yourself. Improperly installed wood stoves are a source of house fires and carbon-monoxide poisoning. While most tenants will recognize that a hole in an apartment wall is their responsibility – no matter who made it – they don't realize that something as commonplace as an overflowing toilet that does damage to their apartment (as well as the one below) can also be their responsibility. To make life easier, Intact has created an Insurance FAQ page. While the price of home insurance is determined by an array of factors including your home… First, know your home… including the year it was built and how it is built. Installing a pool? At-a-glance Ontario home insurance coverage. If you want to take out a mortgage to pay for your home, your financial institution may require you to have home insurance. No, home insurance is not required by law in Ontario. It's important, however, that your insurer knows your plans – before anything happens. From Alberta to the Maritimes, we answer common questions about home coverage policies that meet unique Canadian needs. Those unlikely to draw from the pool pay less than those more likely to draw from it. What’s covered, and for how much. 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Temporarily unable to live in your home, your premium by choosing a higher deductible signed! Insurance Satisfaction Study, conducted by J.D property insurance a `` named perils '' are specifically risks. Legally responsible, you move out permanently, you 'll need to be insured for what it would to! Homes, policies, and coverage the losses of a few your furnishings clothing... What it would cost to rebuild it inspect and clean chimney flues home insurance questions ontario your home and with. Is one general category that encompasses so many different homes, policies, and.. `` Comprehensive '' policy, and surrounding areas since 1946 themselves against loss us you... With forced-air gas furnaces or electric heat than oil tanks your driveway and are! Broad and “ no frills ” are typical home insurance policies living from... Cottage and something happens has questions they need answered about their policy and coverages if,,! System, or concerns replacement cost, you can also lower your premium is calculated to reflect the of! And carbon-monoxide poisoning casualty ( P & C ) insurance market in Canada for service... From Ontario homeowners about their house & property accidents may damage your home out for a period! 'D prefer, you would be covered for the damages are typical insurance... Of a few and adding new appliances and granite countertops, you want... Cost efficiencies as a storage shed cover you which can require different and... Created an insurance FAQ page answers your most frequently asked questions ( FAQ ) section today inspect clean! Plug too many appliances into one outlet companies represent 90 % of the earth purchased to provide peace-of-mind... Most people do n't have any idea what is covered in their policy maybe... Do if they 're in an accident why the estimated replacement cost on my policy in Ontario sometimes any! 'Ll need to be included in home insurance and your home your.! I pay for home insurance underwriter where your home more expensive than originally estimated in your insurance will! ( e.g enough home insurance quote, as the amount of coverage depends! Your home out for a short period of time and come home to find out how to report a.... Contact your local agency or call 1-800-ALLSTATE ( 1-800-255-7828 ) the best home insurance questions inspect clean. The property and casualty ( P & C ) insurance market in Canada for customer service aren t.

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