We offer our Ontario clients the most comprehensive property insurance available through SGI Canada.
Are you insured for these expensive breakdowns?
We have you covered!
Scroll down for more details.
Is your homefullyprotected?
Can you afford to replace/repair your critical home systems? With our comprehensive coverage you don’t have to worry. In the event of a breakdown, you can save huge!
Protect your home systems
We have designed Home Systems Protection to take care of the systems, equipment and appliances that run your life.
When it stops working
Most of the time, you don’t notice your furnace, air conditioner or electrical wiring. These home systems and appliances are designed to work for you – and usually they do. That is, until something breaks and you’re left with an expensive repair bill.
We’ve built Home Systems Protection to tackle the high price of equipment breakdown.
We’ll help you get your life back to normal, without breaking the bank. If you qualify, you can add this coverage to any Home Pak, Condo or Tenant insurance policy.
Systems We Cover
heating or energy (solar, wind, geothermal); boilers; furnaces; heat pumps; hot water heaters (electric, gas, solar); radiant floor heating
Electric & Water
electrical service panels; water purification and filtration; well pumps; installed sump pumps
Air & Ventilation
central air conditioning; ventilation
monitored home security systems; devices to control system
chair lifts and elevators
Some of the equipment we cover:
kitchen and laundry appliances
home entertainment equipment
computers and wireless devices
power tools and shop equipment
portable medical equipment
portable generators and sump pumps
Find out how Home Systems Protection has helped customers like you.
Home Systems Protection provides up to $50,000 for loss, damage or expense related to the breaking down of 1 of your home systems. Coverages include:
damage to your eligible home systems equipment – included in this coverage
up to $5,000 in food spoilage – if your refrigerator breaks down
expediting expenses – any costs needed to speed up the repair or replacement process of your equipment
a special amount to upgrade your equipment, wiring, appliances, etc., to meet new environmental, safety and efficiency standards
any extra living expenses (meals, hotels, gas, etc.) you have to pay because your home is unlivable
lost rental income – if you can’t rent out your home due to damage
your choice of deductible (the amount you have to pay if you have a claim)
$1,000 minimum or $2,500 or $5,000 options
Feature Rich Property Insurance
We provide the most comprehensive, secure and reliable property insurance available. As with all insurance policies and coverages, your home will qualify based on its age, location and history.
Bundle your auto and home insurance with us and save up to 40%.
About your credit score.
Some insurance companies give you an automatic discount for consenting to credit score, no matter what your credit score is. The discount is higher for those with high credit score. If you consent to rating by credit score on your personal insurance policy, your credit score will not be negatively impacted.
Insurance companies do a “soft hit” on your credit, not a formal credit check (like if you take a loan or buy a phone on contract).
The protection of your personal information is a priority. Your credit rating is not shared with anyone- neither your Broker, nor the insurance company see your credit score. It is pulled by an independent 3rd party.
Note: Due to high volumes and time restrictions, we do not provide insurance quotes over the phone. The fastest and most effective way to get an quote is to apply online.
Our home insurance policy offers comprehensive coverage, meaning it covers almost all insurance risks for your:
yard/garage/shed/other separate buildings
You are covered with damage caused by these listed risks:
fire or lightning
explosion or implosion
falling objects that hit the outside of your building or structure
being hit by an aircraft, satellite, drone or vehicle
vandalism or malicious acts
water escape (water bursting out of a pipe and coming into your home) and rupture
windstorm or hail
electrical power surge
broken glass (windows, doors, etc.)
theft, including damage from a break-in or attempted break-in or theft
items lost or damaged during transport (caused by an accident to the vehicle)
escape of fuel oil
If you have an insurance claim, your new policy also covers:
the costs of cleaning up your home and yard
damage to your outdoor trees, lawns, shrubs and plants
property damage caused by an emergency (police officers, paramedics or firefighters having to break into your home)
an increase in your living expenses if your home is unlivable (gas, hotel rooms, meals, etc.)
lost rental income, if you can’t rent out your damaged property
protection for inflation (from the date you started your insurance policy)
an increase in your living expenses if you have to leave your home because of an evacuation order from a public authority. This coverage will take care of your hotel room, meal costs and more for up to 30 days for wildfires, etc.
the cost to change or replace your locks
damage to your guests’ or live-in employees’ belongings
the belongings of unmarried students going to school and/or living away from home
protection against changing bylaw codes
If your house or detached private structure must be rebuilt to meet current building codes, we automatically include coverage to meet these extra costs.
coverage for fire department fees
Increase the basic amount of coverage included in your policy.
protection against identity theft
If your identity is stolen, we include $15,000 – which you can buy up to $20,000 or $30,000 – to help with the costs of restoring and reclaiming your identity. Our Identity Theft Coverage includes:
lost pay if you have to miss work
replacing your driver’s licence, passport or birth certificate
getting credit reports, notarizing affidavits and other similar documents
phone, fax and mailing expenses
re-applying for existing loans
some legal costs you have
rates protection when remortgaging due to insured loss
If you have to remortgage your home after an insured loss, we will cover the difference between the old and the new rates on the balance of your outstanding mortgage.
personal protection against bodily injury and property damage liability
All house insurance policies include a minimum of $1 million in personal liability coverage. This coverage can be used for situations where you’re considered legally responsible for someone being injured on your property or you’ve caused damage to another person or their property. It includes:
court costs, legal fees and certain other expenses
up to $5,000 for reasonable medical and related expensed for an injury you cause due to your actions or the condition of your premises
up to $5,000 for damage to property of someone else due to your actions – can cover deliberate damage caused by a person 12 years of age or less
Add on extra coverages
Combined lines of coverage
This coverage provides a combined amount of protection borrowed from different lines of coverage found in your policy for your house, shed, garage, gazebo, etc., belongings and additional living expenses.
Fire department fee coverage
Increase the basic amount of coverage included in your policy.
Glass breakage deductible
Lower your deductible to $25.
Increased identity theft protection
Get more than the basic limits included in your policy.
Increased limits of protection
Extra protection for valuables and personal liability (legal responsibility).
Increased protection against changing bylaw codes
Increase the basic limit included in your policy.
Major appliance and electronics coverage
Extra coverage for your home systems, equipment and major appliances.
Rental, seasonal and secondary home coverage
Rental Home Coverage – Add up to 4 rental properties to your policy.
Seasonal Home Coverage – Includes your property and its belongings, plus optional Guaranteed Replacement Cost coverage.
Secondary Home Coverage – For your 2nd home. (Not located at a lake, a resort or on your property.)
Repair or replacement coverage
Our Guaranteed Replacement Cost coverage will replace your house at today’s prices with materials of similar kind and quality, even if the cost to do so is more than your insurance coverage.
Special belongings coverage
Extra protection for special items, such as furs, jewelry, artwork, coin and stamp collections, bicycles and more.
Underground pipe and wire protection
You’re responsible for the underground pipes and wires on your property.
Water and sewer coverage
Make sure you’re covered for the high cost of water damage.
Protect your boat, motor, jet ski and other personal watercraft, as well as the equipment and accessories you need to run it. Storing your boat during the off-season? Download our checklist for helpful winterizing tips.