Home & Contents Insurance

This insurance provides coverage for losses or damages to your residential property and personal belongings resulting from external incidents and specified insured events.

Coverage generally includes protection against storms, lightning strikes, rainwater damage, fire incidents, liquid damage from burst pipes or overflowing fixtures, and theft. Some policies may also include flood protection.

Yes, most policies extend coverage to portable possessions like jewelry, sports equipment, bicycles, cameras, and musical instruments even when they're not on your property.

Many insurers offer optional accidental damage coverage that protects against those unexpected mishaps that can occur in everyday life.

This insurance is essential for both homeowners and renters. For homeowners, building insurance is often required by mortgage lenders, while both groups benefit from contents and liability protection.

Personal Liability Insurance protects you if you accidentally cause property damage or injury to others. This valuable coverage is typically included in Home & Contents policies, providing important protection even if you don't think your possessions need insurance.

Our specialists use advanced tools to calculate appropriate building replacement costs and provide comprehensive checklists to ensure all your possessions are accounted for, helping you avoid underinsurance.

While not legally required, most mortgage lenders mandate building insurance as a condition of your home loan. Even without a mortgage, it's strongly recommended to protect your significant investment.

Building insurance covers the physical structure of your home and permanent fixtures, while contents insurance protects your movable possessions like furniture, electronics, and personal items within the home.