You know what they say: home is where the heart is. Your home is one of the biggest financial investments in your lifetime. Protect your property and ensure your peace of mind with isure’s “all about home insurance ” guide to building the best home insurance coverage from the ground up.

Home insurance protects your house from sudden damage, the property within it, and personal liability of the policyholder (you), your spouse or partner, and children.

While home insurance isn’t mandatory in Canada, it not only protects your property and belongings, but most banks and mortgage holders will insist you have home insurance before they will lend a loan to purchase your home.

Coverage varies on the type of policy you choose. As outlined by the Insurance Bureau of Canada, there are four main types of homeowner insurance policies:

  • The “comprehensive” policy covers both the building and its content for many risks that are NOT specifically excluded in the policy.
  • The “named perils” policy covers only those perils, such as fire, that ARE specifically included in the policy.
  • The “broad” policy provides “all risks” coverage on the building and “named perils” coverage on its contents.
  • The “no-frills” policy provides “bare-bones” or “no-frills” coverage for properties that don’t meet normal underwriting standards.

At isure, our brokers will help you find the perfect home insurance fit with friendly service that gives you control over your policy. If you’re not sure what is the best fit for your home, contact your insurance representative at 1-877-514-7873 for advice and to set up your policy.


Here are some other advantages of building your home insurance with isure.

Claims Free
Bad things happen, even to good homeowners. That’s why isure will give you advice on how to best protect your claims free discounts.

Your Possessions Saved
Your personal property is covered anywhere in the world, and with Contents Replacement Cost, subject to loss settlement, pays for the cost of repair or replacement without deduction for depreciation.

Water Damage Protection
Different from flood protection, water damage protects your home with sewer back- up coverage and new overland water protection. For more information on flood and water damage, click here.

Household Liability
This pays when you are legally liable for someone else’s bodily injury (such as a slip- and-fall) or property damage from an accident or negligent acts by you or your household members. This also includes misbehaving acts of your pets.

Medical Coverage
This pays for the medical costs of people injured at your home (other than residents of your household) regardless of fault.

Ongoing Living Expenses
If something happens to your home that makes it unfit to live in, depending on the policy type, you may have coverage for additional living expenses for up to two years.

Additional Valuables Coverage
If you enjoy collecting fine art, beautiful jewelry, or exotic collectibles, consider coverage of important valuables.

Protection of Identity
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of important documents.

Check out isure’s additional home insurance offers, such as home-based business insurance and vacant home insurance.

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