Home Insurance

Protect the home you have worked for, including the risks people overlook.

Home insurance covers your house, your belongings and your liability. We help you check that the cover matches your real risks.

What home insurance generally covers

The building

Damage from events such as fire or storms, depending on your policy.

Your belongings

Furniture, clothing and electronics, often subject to limits for valuables like jewellery.

Liability

If someone is injured on your property.

Additional living expenses

Costs if you cannot live at home after a covered loss.

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.

How it works

1

Tell us about your home

Age, size, updates and location.

2

We explain your coverage options,

Including optional add-ons.

3

You choose

The cover that fits.

Insurance is provided by independent, licensed third-party insurers and insurance professionals introduced through Corefield. Corefield provides consultation and facilitation only.

Coverage, limits and premiums are determined by the insurer and the policy wording. Please read your policy for full terms, deductibles and exclusions.