House Insurance In Burlington
Burlington residents enjoy beautiful views of Lake Ontario, which wraps around this medium-sized city. If you appreciate the finer things, there’s a lot to see in Burlington. Here, you’ll find Canada’s largest garden: The Royal Botanical Gardens. It’s also home to the Art Gallery of Burlington and breathtaking views along the Brant Street Pier.
Looking for ways to save on your home insurance? Maybe you want to understand your coverage better or look at other options.
At Westland Insurance, we make it simple to understand your insurance. Our expert insurance advisors can help you customize your coverage and save more on your payments.
Here’s everything you need to know about home insurance in Burlington:
What Does House Insurance in Burlington Cover
Once you see just how much your home insurance offers, you realize why it’s such an essential part of homeownership. After reading this, you’ll have a clear understanding of what your coverage entails.
Let’s dive in:
Property insurance will cover the replacement cost of your personal belongings. This includes your electronics, artwork, furniture, and more. The value of your items adds up quicker than you think; that’s why it’s important to choose a home insurance policy that’s right for you.
Your garage, shed, and fence will also be covered under your home insurance in Burlington.
If an accident happens in your home or while you’re visiting another property, you could be held liable for medical expenses or repair costs. Personal liability insurance offers extensive coverage for any legal fees or related expenses.
Is your home being repaired due to an insurance claim? You’ll need another place to stay in the meantime. Any additional costs that you wouldn’t usually pay will be covered by this insurance, including takeout meals (if you don’t have a kitchen) and rental fees.
What It Doesn't Cover
Curious about what falls outside your coverage? We believe that it’s important for every homeowner to understand the limits of their insurance; that way, if they need to make a claim, they’ll know exactly what’s covered.
Any damages that exceed the limits of your policy will not be covered. If you don’t have enough content coverage for your personal belongings, you may be required to pay for the cost yourself. The same goes for liability claims. If you want more coverage, give us a call!
Why Do I Need House Insurance & Is It Required in Burlington?
While home insurance isn’t required to buy a home in Ontario, it’s essential for any homeowner.
For one, it covers the cost of replacing your personal property. You’ve spent years accumulating electronics, furniture, and clothing; the replacement costs may be tens of thousands of dollars. With home insurance, you can make a claim to cover those costs.
Secondly, it gives you peace of mind. You won’t need to stress about how you’ll recover financially after an accident happens—you’ll know you have the coverage you need.
And finally, your house is one of the biggest investments you’ll make in your lifetime. Home insurance is a way for you to protect that investment. Security like that sounds pretty good, don’t you think?
Factors That Affect the Cost of House Insurance in Burlington
An insurance company will look at a handful of factors before deciding on your rate. Your Ontario home insurance premiums are affected by:
- Age of home
- Location
- Construction materials
- Credit score
- Claims history
- Distance to services
Coverage Options for House Insurance
By customizing your home insurance in Burlington, you’ll feel confident knowing you’re protected against a wide range of perils. We’re going to list a few popular options for additional coverage. If you’re interested in any of the following endorsements, reach out to us!
Add this insurance to your standard policy, and you’ll get covered for any identity restoration services that are required.
If you use your home to run your business, you’ll be dealing with additional liability risks. Get this insurance policy to cover liability issues and personal property, like home office equipment.
Do you keep a boat on your property? This policy protects you from any physical damage to your boat. It also includes boat liability coverage.
In recent years, flooding has become a greater concern for residents of Ontario. The overland water endorsement gives you protection from water damage related to overflowing lakes/rivers, excessive rainfall, and snow melts.
Even if you have a modern plumbing system, sewer backups still happen. They’re often caused by tree roots interfering with sewer lines or clogs in the drain. If sewage leaks into your home, it can cause thousands of dollars of property damage. Protect yourself with sewer backup insurance.
You’ll be covered for the cost of repairing damaged service lines on your property, including water pipes and power lines.
Better known as accident forgiveness coverage with auto insurance, claim protector coverage ensures that after your first claim, your home insurance premiums will not increase.
You know that the essential appliances in your home are costly to replace. This endorsement will cover the cost of appliances that break down suddenly, including your HVAC system and electronics.
House Insurance FAQ
Below, you’ll find all the answers to common questions about home insurance in Burlington:
A few ways you can save on your home insurance in Burlington include:
- Make annual payments, not monthly
- Choose a higher deductible
- Stay claims free
- Install a local or monitored alarm
- Set up a sprinkler
- Claim the mature customer discount (55+ years)
- Purchase a water leak detection device
- Bundle your home and auto insurance
- Pay off your mortgage
- Maintain a good credit score
Before you can get an insurance quote, we’ll need to know a few things about your property, including:
- Postal code & address
- Contact information
- Insurance history
No, not automatically. To maintain your home insurance coverage while you’re away, have someone visit your home every few days. In addition, be sure to keep your home warm enough that the pipes won’t freeze.
Yes. If your home has outdated plumbing or electrical wiring, you’re at a higher risk of making an insurance claim, and this will be reflected in your premiums. To eliminate this risk, consider replacing any knob and tube wiring or updating your plumbing.
Get Home Insurance for Your Burlington Property Today!
Sold on the benefits of insurance? The next step is finding a broker to help you along the process, from determining the coverage you need to find the best rate.
At Westland Insurance, we’ll do all that and more. Whenever you have a question about your policy or need to make a claim, we’ll be by your side. We can help you get lower rates on a variety of insurance products, including tenant insurance, auto insurance, and business insurance.
Ready to get started? Contact us to get a free quote 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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