The water gap many homeowners discover too late
Sewer backup and overland flooding are often separate, optional add-ons, not part of a basic policy, and they are two different risks. With Toronto-area storms and ageing infrastructure, it is worth checking whether you have one, both or neither.
Replacement cost or market value?
What it costs to rebuild your home is not the same as what it would sell for. We help you understand the difference and make sure your coverage is set to rebuild, not just to match market price.
Maintenance and exclusions
Policies usually exclude damage from poor maintenance and normal wear and tear. A quick yearly check of the roof, plumbing and wiring can prevent problems.