Tell us about your home. A verified insurance professional who covers your postal code will get in touch to explain homeowner, condo and tenant coverage, how much to insure for and what to compare, before you commit.
A verified professional will get in touch.
Each type has its own limits and exclusions. Ask what is and isn't included.
The structure of the home and permanent fixtures such as the roof, walls, floors and fitted kitchen.
Your belongings inside the home, from furniture and electronics to clothing.
Your legal responsibility if someone is hurt or their property is damaged because of you.
Whether and how sudden water damage and sewer backup are covered.
Often optional extras, and not always available in every area.
Costs of living elsewhere if a claim means you can't stay at home.
What it would cost to rebuild, which sets the coverage amount for the building.
Your postal code, and the local risk of flood, fire, wildfire or crime.
Its age, size, construction, heating and wiring, and the age of the roof and plumbing.
Alarms, fire protection nearby and water shut-off or backup valves.
Their total value, and any single high-value items.
The deductible you accept, and extras such as overland flood.
Ask for the licence number and check it with your provincial insurance regulator.
For the building and for my belongings.
Including water damage, sewer backup, overland flood and wildfire.
Single-item limits, and any requirements about wiring or heating.
The deductible, and any separate deductible for water or flood.
Any fee, and how the unused premium is refunded.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Insuring for too little can leave you short when you claim. You hear how the amount is worked out, and why it isn't the market value.
Water damage, sewer backup, overland flood and wildfire are often treated differently. You hear what to ask about for your home and your area.
You get the options explained. Whether to buy, and from whom, is always your decision.
Homeowner insurance covers the house and your belongings. Condo, or unit owner, insurance covers your belongings, upgrades inside your unit and often your share of any special charge. Tenant insurance covers your belongings and your liability if you rent. Ask which fits your situation.
If you have a mortgage, your lender will normally require it. If you own your home outright, it isn't compulsory, but you'd have to pay for any rebuild or repairs yourself without it. Condo corporations insure the building, but you still need your own coverage. Many landlords also require tenant insurance.
Replacement cost pays what it costs to replace a damaged item or part of the home with a new one. Actual cash value pays what the item was worth after depreciation, which is less. Ask which applies to the building and to your belongings.
For the building, it is the cost of rebuilding your home, not its market value, and the two can be very different. For belongings, add up what it would cost to replace everything. If you insure for too little, the insurer may pay out only part of a claim.
It depends on the policy and where you live. Sudden water damage, sewer backup, overland flood, wildfire and earthquake are often separate coverages or optional extras, and the wording varies. Ask what is covered for your address and read the policy wording.
It can. Insurers may ask about the age of the wiring, plumbing, roof and heating. Features such as knob-and-tube or aluminum wiring or an oil tank can lead to higher prices or conditions, or to being declined. Ask what an insurer needs to know and tell them accurately.
It covers your legal responsibility if someone is injured at your home or you damage someone else's property. Check the limit, since a claim can be large, and ask whether it is enough for you.
Policies set a limit for any single item, and high-value items such as jewellery or art may need to be listed separately. Coverage for items you take out of the house may be limited or an extra.
Wear and tear, gradual damage, damage from poor maintenance, and in some policies a home left empty for a long period, or used for business or short-term rentals. Read the exclusions and the conditions you must meet.
You can usually cancel, but the insurer may charge a fee or refund less than the unused part of the premium, and your mortgage lender may need to be told. Ask what cancelling would cost before you buy.
Complain to the insurer first. If you're not happy with the answer, you can take it to the General Insurance OmbudService, or in Quebec the Autorité des marchés financiers. These services are free to use.
The type, age and size of your home, how it is built, whether you own or rent, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance advice. Any quote or advice comes from the firm that contacts you. Check that an agent or broker is licensed with your provincial insurance regulator before you share personal or payment details.
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