Ontario Home Insurance

Get affordable home insurance in Ontario today

You work hard to maintain a beautiful home and lifestyle, so it’s comforting to know that if something goes wrong or when the unexpected happens, Acera Insurance will be there with you to help set things right. Having the right home insurance for your Ontario home can give you the confidence to relax and enjoy your home.

Explaining Ontario Home Insurance

Why do Ontario homeowners need insurance?

You will need money to repair or replace your house if it is destroyed by a fire or damaged by a natural disaster. Liability protection may help you pay expenses if a guest in your home is injured. And your homeowners insurance can cover your losses or the cost of repairs if you are a victim of theft or vandalism.

Should your Ontario home be destroyed or seriously damaged, failure to accurately insure your property can delay the processing of your claim and in some cases, result in insufficient funds being available to properly rebuild your home.

It pays to have the right type of home insurance to ensure your Ontario property is properly protected, and our experienced insurance brokers can get you the cover you need.

What is covered by your home insurance policy in Ontario?

Every home in Ontario is different. That’s why it is so important to have the right tailored protection for your dwelling. Sometimes referred to as fire insurance, homeowners insurance in Ontario is generally broken down into four categories:

• Home owners
• Condo unit owners
• Tenants
• Seasonal home/cottage

Depending on which house insurance policy you need, your Ontario Acera Insurance broker will guide you through the coverage and put together a program that suits your lifestyle.

Ontario home insurance info: questions to ask

At Acera Insurance, we are committed to providing you with flexible insurance solutions to help you select the policy based on your specific needs. Here are a few things to discuss and consider that will influence your decision.

• How much will it cost to rebuild my house and replace my belongings?
• What extensions are available to insure my jewellery, boat and other valuables?
• What amount of liability insurance is adequate?
• Does the insurance company have a good reputation for customer service and is it financially stable?
• Does the insurance company have a good reputation for claims? How do I report a claim?

What is umbrella insurance and why do you need it in Ontario?

Once the liability limits are exhausted on your home or auto policy, your umbrella policy takes over and provides another layer of liability protection should you be sued and found legally liable for causing injury to someone else or damaging their property. Because the average size of jury awards has increased in Ontario over the last few years, umbrella insurance has become more important. Best of all, the average cost for this protection is less than a dollar a day. Ask an Acera Insurance advisor how you can protect you and your family from an unexpected claim.

Why Acera Insurance?

Enjoy the many benefits when you choose to join Acera Insurance for all your house insurance needs here in Ontario. With Acera Insurance, you can take action to lower your insurance costs. The amount you pay for homeowners insurance depends on many factors. Following the suggestions below may help you lower your costs.

• Increase your deductible.
  Deductibles range from $500 to $10,000. The higher your deductible, the lower your premium.
• Monitored fire or burglar alarms.
  A residential alarm system can reduce your insurance costs while protecting you and your family.
• Insure multiple policies with Acera Insurance.
  Insure multiple policies: Insuring both your home and auto qualifies you for a discount of up to 15 per cent*.

*Conditions and restrictions apply to all offers. Actual savings may vary based on the insurance provider and an individual’s insurance history.