Barrie Home Insurance
They say that your house is one of the biggest investments that you’ll make. But as a homeowner, you know that the value of your property goes beyond its monetary worth. Protect your house and your assets with home insurance in Barrie.
Homeowners in Barrie enjoy breathtaking waterfront views; the city is situated on the shore of Lake Simcoe. It grew out of Toronto and became a city in its own right. At Westland Insurance, we’re here to make sure you have the protection you need for your Barrie home.
We’ll help you with each step of the way, from choosing a home insurance policy to purchasing additional coverage. Home insurance protection is essential in Barrie. With your insurance taken care of, you can get back to living your life; leave the rest to us.
What Does Home Insurance Cover?
With basic home insurance in Barrie, you’ll be covered for the following perils:
Your house is full of your belongings: Furniture, clothing, computers, and other valuables. With home insurance, you protect more than your home’s physical structure—you also protect what’s inside it. This policy will cover the cost of replacing damaged items.
Imagine if an incident on your property caused damage to your neighbour’s house or another person. Who would pay for the damages? In most cases, that responsibility falls to you.
Liability issues may arise while you’re at home or on vacation. With liability coverage, you will have financial assistance with costs associated with a lawsuit.
When your home is being repaired due to an insurance claim, your additional living expenses will be covered by your Barrie home insurance.
You need to protect all structures on your property, not just your house. With additional structure coverage, you can extend your policy to detached structures, including garages, guest hosts, and sheds.
What It Doesn't Cover
You may be wondering what claims fall outside of your coverage. We’re going to go over a few claims that aren’t covered:
Most home insurance policies do not cover damage associated with landslides and earthquakes. For that, you’ll need to purchase earthquake coverage.
Does your home have a sump pump? If your house is impacted by water damage caused by overland flooding, you won’t be covered unless you purchase additional coverage.
A basic policy only offers limited coverage. If you have valuable items, the replacement costs may go beyond the amount covered in your policy.
Why Do I Need Home Insurance, and Is It Required in Barrie?
Unlike auto insurance, you aren’t required to buy home insurance by law. But do you feel comfortable making such a large investment, knowing that it’s unprotected? Barrie home insurance is one way to keep your investment safe.
Now, you’re probably wondering if you need home insurance. We recommend basic coverage for all homeowners in Barrie. Your insurance will cover the cost to replace your belongings and repair your property if it’s damaged by a fire, thief, or other insured peril.
Factors That Affect the Cost of Home Insurance
Every house is unique; that’s why insurance rates vary so widely across the board. Your Barrie home insurance rates are determined by factors like:
- Proximity to a fire hydrant or fire station: If you live far away from these services, you may be at a higher risk of making a claim.
- Credit score: If you have a good credit score, ask for a soft touchcredit check, and you may be eligible for a discount.
- Claims history: Making a claim will increase the cost of your Barrie home insurance.
- Age of home: Older homes may be at a higher risk of a claim.
- Location: Your insurance provider will consider the rates of flooding, vandalism, and other claims in your area.
- Construction: What building materials were used to construct your home?
Coverage Options for Home Insurance
You want to make sure that your home insurance in Barrie offers the protection you need. If you’re looking for additional coverage, consider the following add-ons:
- Overland Water
- Sewer Backup
- Home-Based Business
- Watercraft
- Service Line Coverage
- Claim Protector
- Home Equipment Breakdown
- Identity Theft
Home Insurance FAQ
Looking for ways to save on your home insurance in Barrie? The following discounts can lower your rates:
- Local or Monitored Alarm
- Sprinkler
- Water Lead Detection Device
- Company Loyalty
- Being Mortgage-Free
- Credit Score Factor
- Mature Customer (55+ years)
- Being Claims-Free
If you want to find out how you can save on your insurance costs, contact one of our insurance brokers at Westland. We’ll be happy to help you find a lower rate.
Have you made an insurance claim within the last year? After you make your first claim, your insurance company will charge more for the same policy.
You know that the value of your home plays a major role in the cost of your insurance. But how is that value determined?
When your home is being appraised, a realtor or evaluator will consider things like:
- Condition and age of your home
- The current real estate market
- Recent renovations or upgrades
- The location
- Number of bedrooms and bathrooms
Before you can purchase Barrie home insurance coverage, you need to provide your contact information, address, and your insurance history.
Some insurance providers offer 6-month terms. If you’re looking for a shorter policy, get in touch with us.
Request a Home Insurance Quote Today!
Ready to purchase home insurance? The next step is deciding which policy is right for your home. In Barrie, you have plenty of insurance providers to choose from; how do you know which company will offer the best rates with the right coverage?
At Westland, we have years of experience in the insurance industry. Our advisors can help you find affordable house, car, or renters insurance. We’ll compare quotes offered by different providers to find a policy that fits your budget.
We provide Ontario home insurance quotes in minutes. Fill out your information, and we’ll put you in contact with one of our insurance brokers. contact us today!
We’re Here to Help
Whether you’re looking for insurance for your first home or wanting to discuss your existing policy, our team is ready to help. Connect with us today.
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