One of the most common questions we hear is simple: how much home insurance do I really need? The answer isn't your home's market value — it's the cost to rebuild it, plus enough to replace your belongings and protect you from liability.
Insure for rebuild cost, not market value
Market value includes your land, location, and the local real-estate market — none of which need rebuilding after a fire. Your dwelling coverage should reflect the cost to reconstruct your home with today's labour and materials, which can be higher or lower than what you paid.
We help you set an accurate rebuild figure so you're never left short — or paying for coverage you don't need.
Don't forget contents and liability
Your belongings — furniture, electronics, clothing — add up fast. A quick room-by-room tally usually surprises people. High-value items like jewellery or art may need to be scheduled separately for full coverage.
Liability coverage protects you if someone is injured on your property. Standard limits are often $1–2 million, but if your assets or risk are higher, an umbrella policy adds protection on top.
Review the water and weather add-ons
In Ontario, water is the most common home claim. Overland flood and sewer-backup coverage are usually optional endorsements, not part of a base policy. We'll review your property's risk and recommend whether to add them.
The right coverage is a conversation, not a checkbox. Talk to an advisor and we'll right-size your home insurance — then compare our full panel of insurers for the best rate.