Your biggest investment and most valuable material possession is probably your home. It is also a place where you, your family and your friends meet, where memories are made and a place where you can enjoy the view. No matter if you rent or own your home, it’s important to have the right property insurance to protect your belongings and your investments. Making sure you have the right property insurance covering your most valuable possessions is what Guild Insurance Brokers & HMS Insurance Agencies is here to help you with. Learn more about Home Insurance.
It doesn’t matter if you’re renting a home, apartment or a suite in a high-rise building, we have the right Tenants Insurance policy for you. Learn more about Tenants Insurance.
With our DIY Tenants Insurance online you can purchase your policy online and within a few clicks, your new policy will be sent straight to your email inbox.
Before purchasing the proper condo insurance, knowing your specific condo type is crucial. There are a couple different types of rental agreements or condo ownerships to be aware of, Bare Land Condominium or Life Lease. Learn more about Condo Insurance.
How Personal Insurance Can Protect You
Personal Property Insurance
Interior furnishings is normally the first thing that comes to mind when you hear contents insurance. Add in the cost to replace your clothing, jewellery, electronics and anything else that may be of value to you. It may add up to more than you were expecting, but you will know the cost to replace everything that means so much to you. The team at Guild Insurance Brokers & HMS Insurance Agencies will assist you in evaluating your insurance needs and help you customize your insurance so that you have the protection that you need.
Liability insurance is one of the most important features of any of your personal insurance policies. Should you cause damage to a neighbouring property or someone else, you are covered for medical expenses and or repair. If someone accidentally slipped and fell on your front steps it could result in injuries and a large cost; your policy will pay for that or any other losses from that event.
Flood Coverage, Water Damage, Sewer
This is an optional coverage on personal insurance policies. Although you may or may not currently have this coverage on your policy, knowing the option is available is a key way to ensure you’re not exposing yourself to a risk.
Additional living expenses
If your home, rental home or condo is not able to be lived in because of damage from a loss, additional living expense coverage will cover the cost of alternative living arrangements. Your policy would even cover the cost of some meals while you try and get your life back in order.
When you buy personal insurance, such as home, tenants or condo your hope is to never need to use it. In the event, you need to make a personal insurance claim we are always here to help you get through the process. Learn more about the claims-making process.