House Insurance Collingwood
Located on Nottawasaga Bay, residents of Collingwood enjoy gorgeous views of the water. Collingwood was incorporated as a town in 1858, and there are plenty of places to soak up the beauty, making it a popular tourist spot. People visit Wasaga Beach in the summer and the Blue Mountain Ski Resort in the winter.
You’re not looking for just any house insurance policy in Collingwood. You’re looking for one that matches your lifestyle and provides enough insurance coverage. At Westland, our insurance brokers will help you find the right policy for you.
What Does House Insurance in Collingwood Cover?
With home insurance, you’ll be protected against a range of unexpected events, including fires, wind, theft, vandalism, and additional living expenses. We’re going to break down exactly what your policy offers:
When you moved into your Collingwood home, you realized how much stuff you have. You need insurance to protect it all, from your living room couches to your art collection. If you need help ensuring you have enough coverage for your personal belongings, give us a call!
Along with your home and everything in it, house insurance also covers other structures on your property. That includes your garage, fence, and/or shed.
Liability issues can arise when you’re at home or away from it. Someone may be injured by slipping on the floor while visiting your home, or you may accidentally cause damage to a neighbour’s property. When issues like these arise, your liability insurance coverage will pay for medical expenses, property damage repair costs, and legal fees.
Get coverage for additional living expenses if your home cannot be occupied, which may include moving costs, rent, and takeout meals. These expenses will be paid for until your insurance claim is resolved and you can return home.
What It Doesn't Cover?
When you’re choosing your policy, it’s important to be mindful of your coverage limits.
For example, consider your personal property coverage. If you lost all your belongings due to an insured peril, you’ll only get paid out up to the amount specified in your policy. And if the replacement cost of your belongings exceeds that amount, you’ll need to pay for them yourself.
You also won’t be covered for perils that are not included in your policy. With a basic home insurance plan, you won’t be protected from earthquake damage or sewage backup; you need to purchase additional coverage for those perils.
Why Do I Need House Insurance & Is It Required in Collingwood?
You might be surprised to learn that house insurance isn’t required in Collingwood, Ontario. But that doesn’t mean you should pass up on it.
Home insurance is like an emergency fund for your property—one you hope you never have to use. If disaster strikes, you’ll feel secure knowing you’ll be covered. Property insurance is well worth the cost, both for your peace of mind and your investment.
You don’t need house insurance to buy a property, but you do need it to get approved for a mortgage. If you’re taking out a loan, most banks and mortgage lenders will require proof of insurance first.
Factors That Affect the Cost of House Insurance in Collingwood
You know that the value of your property affects your insurance costs. But that’s not the only reason why you might pay more or less for your coverage. When insurance companies are determining your rates, they’ll ask questions like:
- Age of home. What year was your home built? Does it have knob and tube wiring or outdated plumbing?
- Location. How high are the rates of vandalism and flooding in your area?
- Construction. What materials were used to build your home?
- Credit score. What is your credit score?
- Claims history. Have you made any claims in recent years?
- Distance to services. How far is your home from the nearest fire hydrant or fire station?
Coverage Options for House Insurance
At Westland Insurance, we have access to some of the best home insurance products in Collingwood, Ontario. We’ll be happy to help you find the additional protection you need. You can choose from:
- Identity Theft
- Home-Based Business
- Overland Water
- Sewer Backup
- Service Line Coverage
- Claim Protector
- Home Equipment Breakdown
Contact Westland for a Home Insurance Quote Today!
Whether you’re looking for car insurance, cottage insurance, condo insurance, or tenant insurance, we’ll set you up with a policy that meets your needs. At Westland Insurance, we make it simple to understand your coverage. We’re here whenever you have questions or need to make a claim.
To get your home insurance quote in Collingwood, contact us today!
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