At Westland Insurance, we know your living situation is as unique as you are and that all home insurance is not created equal. It’s because of this that we offer a broad range of customizable insurance products to fit your needs.
Unlike a lot of insurers, we also believe in starting with the basics: making sure we help you assess your risks and the value of your property and design a policy that provides you with the level of protection you need for peace of mind. Try us and you’ll see why we say your best coverage is our only policy.
A comprehensive package to protect your valuable assets: your house, family and possessions.
A coverage plan that meets the needs of condo owners.
Designed for people who don’t yet own a home but want the security of insurance.
A package aimed at protecting rental and investment properties.
Also known as Manufactured Home insurance, this policy is similar homeowner's insurance but for mobile homes.
You may not live in a seasonal property year-round, but that doesn’t mean it shouldn’t be protected all the time.
Customize your insurance package with these add-ons.
Learn how to save money on home insurance
There is no charge for a quote and no obligation to purchase a quote. To ensure that you are not overpaying for your home, auto and commercial insurance we invite you to come in and get a comparison quote for free!
An insurance policy is a contract between the insured (person who is named on the policy and generally purchases the insurance) and the insurer (Insurance Company). The insurance company agrees to share in the risk as outlined in the insurance policy and policy wordings. There is an exchange of money for a promise to pay. The insurance policy is often purchased from an Insurance Broker.
There are several types of insurance policies you can purchase. Please remember that the wording and what is covered may vary within these general categories from one insurance company to another.
A Named Perils policy only covers the perils that are specifically stated in the policy.
Comprehensive is the most inclusive home insurance policy; it covers both the contents and building (if applicable) for all risks, except for those specifically excluded. These policies are also referred to as All Risks Insurance.
If you have a mortgage on your home, the mortgage company most likely requires you to carry home insurance.
The cost of insurance depends on many factors including where your home is located, the limits of coverage, your claims history and other possible discounts.
Most home insurance policies for your main residence include worldwide personal liability coverage. Rental property policies and seasonal property policies typically include liability restricted to the premises. Check with your Westland Insurance advisor to confirm your liability coverage limits.
Replacement Cost" means the cost, at the time of loss, of repairs or replacement, with property of similar kind and quality, without deduction for depreciation
A deductible is the portion of a loss that the policy holder pays in the event of a claim.
Earthquake coverage insures your home and belongings in the event of an earthquake. Earthquake is an excluded peril in most home insurance policies and must be added as an optional endorsement.
Earthquake deductibles can be very large. An Earthquake Deductible Buy-Down policy can be purchased to substantially lower your payable earthquake deductible should a claim arise.
Earthquake Strata Assessment Coverage applies to condo and tenant owners. This policy covers for the portion of your strata’s earthquake deductible that gets assessed to you as a unit owner in the event of an earthquake, substantially lowering the amount you would be required to pay by your strata.
Additional Living Expense is coverage for extra living expenses that arise if you are forced from your home due to an insured loss.
Yes, you need to advise your insurance broker of a rental unit.
Yes, you need to advise your insurance broker if you are doing any home renovations.
Contact your local Westland Insurance office, 1-800-899-3093, or request a quote online.
If you own a house, one of our Westland Insurance Advisors can work with you to do a Home Valuation. This valuation aids in determining the approximate replacement cost of your house.
If you rent or own a condo, one of our inventory checklists can assist you with determining an appropriate limit for personal property coverage.
You can review your policy with a Westland Insurance broker to make sure your coverages are correct and you have all eligible discounts. To learn more visit Save on Home Insurance.