Protect Your Home

Habitational insurance is essential for homeowners and renters, providing vital protection for your property and peace of mind. It covers damage from risks such as fire, theft, vandalism, and natural disasters, allowing you to repair or replace your home and belongings without significant financial strain.

Additionally, it includes liability coverage, safeguarding you against legal costs if someone is injured on your property or if you inadvertently damage someone else’s property. Many mortgage lenders also require you to have habitational insurance, ensuring their investment is protected.

In the unfortunate event that your home becomes uninhabitable due to a covered incident, this insurance can help cover temporary living expenses, enabling you to recover.

Here at Brokerzone Insurance, we aim to get you the best protection, at the best suited price for you and your family.

Important things to note:

• What may lower your home insurance?
  • Multiline Discount: You are eligible for this discount when you connect home/tenant and auto insurance together under the same insurance company
  • Home Security: Installing security systems, smoke detectors, and deadbolts can lower your risk profile, leading to potential discounts.
  • Coverages and Deductibles: You can choose the extent of your coverage]

Condos:

• Condo insurance is designed to protect your personal property and provide liability coverage within your unit, ensuring you’re financially secure in the event of an accident, theft, or natural disaster.

Tenant:

Tenant insurance, also known as renters insurance, is designed to protect you and your belongings when you’re renting a home, apartment, or condo.

What does it cover?

• Personal Property: This includes protection for your belongings—such as furniture, electronics, clothing, and jewelry. If something is damaged or stolen, tenant insurance can help cover the cost of replacing or repairing it.
• Liability Coverage: If you’re found responsible for accidental damage to the property or injury to someone else while they’re in your rental home, liability coverage can help cover legal costs, medical bills, or repair expenses.
• Additional Living Expenses (ALE): If your rental home becomes uninhabitable due to a covered event (like a fire or flood), ALE helps pay for temporary housing, meals, and other living costs until you’re able to return to your home.