Burlington Home Insurance

How Acera’s Burlington home insurance brokers do it better

Acera Insurance is one of Ontario’s largest independently owned insurance brokers, and has been serving home insurance to Burlington clients for over 60 years. Our team of insurance professionals support our services and products with their extensive expertise and training, and dedicate themselves solely to our single motivation: our clients.

We think beyond the traditional home insurance; Burlington, Ontario clients can rest easy knowing Acera Insurance has the right coverage for them, from the simplest to the most complicated of insurance needs. We provide our clients with professional advice that caters to fit their individual requirements.

For most homes, adequate home insurance in Burlington consists of:

• Property insurance to protect against common exposures such as fire, vandalism, falling objects, etc.
• Liability insurance to help mitigate any legal expenses if a claim is filed against you.
• Contents insurance to protect the contents of your home.
• Flood insurance, if you need it
• Specialize coverage tailored to the risks you face

Here at Acera Insurance, we strive to supply options, knowledge, and look forward to maintaining long-standing relationships with our clients.

Did you know that if your area sees a lot of crime, you may pay more for your insurance premiums? Being in an area that has high crime rates increased your risk, meaning that you will need to pay more for your insurance rates. You can mitigate this additional expense by purchasing home security systems and informing your broker of the new addition.

Why purchase home insurance in Burlington

For most Canadians, their home is their largest single investment. It’s also the place where life and memories happen. Protecting this investment against fire, theft and acts of God just makes good business sense. It’s also likely required by your lender if you have a mortgage on your home. However, not all home insurance Burlington residents have available to them is alike.

Because your home is easily your most expensive assets, it’s integral that you protect it from losses that are unavoidable. Home insurance in Burlington isn’t required by law like auto insurance, but it is essential to protect your home from insured perils and liability. Moreover, home insurance may protect your personal belongings, cover temporary housing after an insured loss, and allow you to sleep a little more soundly at night knowing you have a safety net.

Here are a few things that you should consider when you purchase home insurance in Brampton.

Deductible Amounts

The deductible is the amount you, as the homeowner, have to pay before the insurance company will reimburse you in the event of a claim. In general, the higher the deductible, the lower your premiums will be. Common deductibles are $1,000 and $500.

Replacement vs. Real Value

This can be a tricky point. In most areas, the market value of a home is not the same as what it would cost to rebuild the home if it were destroyed by fire or other disaster. While replacement cost for home insurance in Burlington is generally more expensive, it will help ensure that you will be able to rebuild your home should it be destroyed.

Home Contents

Protect your most valuable assets and prize possessions inside of your home, too! The amount of coverage for your furnishings and personal possessions is usually a percentage of the value of your home. However, there are usually caps on certain expensive items like jewellery, artwork, coin collections, silver flatware and antiques. To insure these items for their entire value, you’ll need to purchase an additional rider to your basic policy.

Flood Insurance

While standard home insurance policies include coverage for things like fire, having a tree fall on your roof, vandalism, theft and other similar events, they generally do not cover damage that results from a flood. If you are purchasing home insurance for a Burlington area that is prone to flooding, you’ll want to consider taking out an extra policy for flood damage.

Discounts on Your Premiums

Discounts on your home insurance premiums are available for a variety of things. These include having a smoke and/or burglar alarm, installing a metal or other fire-resistant roof and putting deadbolts on your doors. Want more ways or ideas on how to save money on your premiums for home insurance? Burlington residents can contact us with any questions they may have. Our team are here to help.

Get a free Burlington home insurance quote from us today

Need home insurance in Burlington, Ontario? Our local team can help you find the right house insurance policy to suit your needs and lifestyle. Don’t wait any longer – to learn more about protecting your investment in your Burlington home and property, contact Acera Insurance today for a free quote.