Home Insurance Thunder Bay

After a long day, all you want to do is come home, kick your feet up, and relax. Your home is your sanctuary; it’s where you wake up every morning, cook meals, and spend time with your loved ones. It’s a place you need to protect. That’s what Thunder Bay home insurance is for.

Finding the right coverage can be a challenge; you need a policy that meets the specific needs of your house. At Westland Insurance, our expert advisors can help you find the right home insurance policy for your lifestyle and your budget.

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What Does Home Insurance Cover

It’s important to know exactly what your insurance will cover. Here’s what your home insurance in Thunder Bay offers:

As a homeowner, you need protection for all the belongings that you use most often. How would you get through the day without your computer, clothes, or kitchen stove? The cost of replacing all these items can be enormous.

With home insurance, you’ll have coverage for all the most important personal belongings. These include:

  • Furniture
  • Electronics
  • Clothing
  • Musical instruments
  • Kitchen appliances
  • Jewellery

The cost of these belongings adds up fast. Cover your replacement costs with home insurance in Thunder Bay.

Need coverage for your entire property? Detached structures like garages, fences, and sheds will be covered under this policy.

Accidents happen. Your child might be playing in the yard when they accidentally cause damage to your neighbour’s property. Or, you may have guests over, and one of them could slip on your ornate living room rug, causing them to break a bone. You may be held liable for accidents that occur in or around your home.

If you unintentionally cause bodily injury or property damage to another person, this policy offers coverage for incidents that occur on your property.

Is your home temporarily unavailable due to an insurance claim? While it’s being repaired, your policy will also cover the costs of hotel expenses and meals.

What It Doesn't Cover

What falls outside of your Thunder Bay home insurance coverage? By familiarizing yourself with the limits of your insurance policy, you can identify when you need to extend your coverage.

The residents of Thunder Bay know and love Lake Superior, a great body of water that’s known as the largest freshwater lake in the world. But no one wants their home to be full of water.

Not all forms of water damage are covered by your policy. If your home is damaged by overland flooding, most insurance providers will not cover it—unless you purchase an add-on for flood coverage.

Sewer leaks do more than damage your property—they also pose a health hazard for anyone in your home. Any of your belongings that come in contact with it will need to be replaced.

A basic home insurance policy will not cover damage related to sewer backups. For that, you need to buy sewer backup coverage.

The contents of your home are covered under your insurance—but there’s a limit to how much your insurance provider will cover. If you have a collection of valuables, you can extend your coverage by contacting your insurance provider.

Looking to expand your property insurance coverage? We can help with that. Give us a call to talk about what insurance add-ons can help protect your home.

Why Do I Need Home Insurance & Is It Required in Thunder Bay?

Buying your first home is one of the most exciting milestones in life. Finally, you have a place that is entirely your own. But with that freedom comes financial responsibility. You’re on the hook for any damage to that property, which happens to be one of the largest investments you’ll make in your lifetime.

When disaster strikes, you need protection. You can’t predict when common perils will occur, from theft to house fires. Insurance protects your investment and your personal belongings. While home insurance is not mandatory in Ontario, it is highly recommended; you may have trouble getting approved for a mortgage without it.

Factors That Affect the Cost of Home Insurance

Every property is unique, which is reflected in the cost of home insurance. Your rates are affected by factors like:

  • Claims history
  • Construction materials
  • Location (rates of flooding, vandalism, and other insurance concerns in the area)
  • Age of home
  • Distance to a fire hydrant or fire station

Coverage Options for Home Insurance

Looking for more comprehensive coverage? Additional home insurance coverage options include:

  • Overland Water
  • Sewer Backup
  • Home Equipment Breakdown
  • Home-Based Business
  • Service Line Coverage
  • Claim Protector
  • Identity Theft
  • Watercraft

If you’re interested in learning more about additional coverage options, reach out to us. We’ll be happy to connect you with an insurance advisor so you can learn more about your options.

Home Insurance FAQ

To get the cheapest home insurance, take note of these tips:

  • Maintain a claims-free history. Each time you make a claim, it will increase your home insurance rates.
  • Bundle your insurance. By purchasing home insurance with the same provider as your car insurance, you may be eligible to save on your premiums.
  • Mature customer discount. Those who are 55+ may be eligible for this discount.
    Install a security system. Lower the likelihood of theft by installing a monitored alarm.
  • Add a water leak detection device. Stop water damage in its tracks with this monitoring system.
  • Pay off your mortgage. Let your insurer know when your mortgage is fully paid off.

Concerned about the cost of your insurance? Given that a wide range of factors affects the cost of your insurance, there may be a handful of reasons why your rates are higher than average.

Keep in mind that the value of your home is not the only factor that affects your insurance costs.

Before you can get a quote for home insurance coverage in Thunder Bay, you’ll need to provide your contact information, location, and address.

The term of your insurance policy will depend on your provider. In most cases, home insurance can only be purchased in 12-month increments (similar to renters insurance). Our brokers can help you find a policy that suits your lifestyle and your budget.

Contact Us for Home Insurance Quotes Today!

If you’re trying to get a better rate on your home insurance, reach out to us. At Westland Insurance, we’ll compare quotes to find you the best Ontario home insurance rates.

Save money on your coverage when you work with Westland Insurance. We can help you find affordable business, condo, apartment, and auto insurance in Thunder Bay. To receive your home insurance quote, contact us today!

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