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These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
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Brampton has grown a lot in the past several decades. What once started as a small town in Southern Ontario has grown into a booming city with over half of a million residents. This fantastic city has so much to offer; from restaurants, to events to schools, the city of Brampton has a little bit of everything. If you're thinking about purchasing a home in this beautiful city, you should speak with your Surex insurance advisor about your options for home insurance in Brampton.
At Surex, our team has made it easier than ever to find cheap home insurance in Brampton. All you need to do is contact your personal Surex insurance advisor and within ten short minutes, we can help you find and compare the best home insurance quotes. Contact one of our trusted advisors today to learn how we can help you save up to 25% when you bundle your home insurance with another insurance policy in Brampton.
Home Insurance in Brampton - What You Need to Know
Home insurance in Brampton provides the protection you need no matter what kind of home you have. When you need to make a claim, home insurance will help you keep peace of mind if anything comes up.
Home insurance in Canada is not legally required if you’ve paid your house in full, but it is required if you need to secure a mortgage. A bank will not lend you money if you do not have homeowners insurance to protect your one most valuable asset.
The types of home insurance coverages are:
- Basic or Named Perils: This is a more economical coverage option that covers your home, contents, and property for perils that are specifically named in your policy.
- Broad home insurance: This is seen as the middle ground coverage between comprehensive and basic. It covers your home against all risks (minus exclusions) and coverage for your contents against any named risks.
- Comprehensive home insurance: This provides the most coverage and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy).
There are three basic types of home insurance you can get:
Comprehensive: This provides the most coverage and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy)
Standard: This covers your house and its contents against named perils and is less coverage than a comprehensive policy.
Broad: This is coverage that is right between a standard policy and comprehensive, covering your home against all risks (minus exclusions) and coverage for your contents against any named risks.
Talk to your dedicated insurance advisor about what coverage you need and also about any additional coverage options you may require. Optional add-on coverage costs extra but protects your home against specific risks.
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