Home Insurance

Insurance Insights | July 22, 2014

Home Insurance

TSG Home Insurance Toronto, Ontario – Protecting Castles and Sheds Since 2008!

Your home is more than just bricks and mortar, it’s a place of refuge, safety and your escape from the hustle and bustle of the everyday world. Home is where the things and people you love become the primary focus. At TSG we know how important your home is to you, and that’s why we go above and beyond to help our clients find insurance that will protect them and give them peace of mind.

One policy does not fit all!

Home Insurance Coverage Simplified

When you’re looking for homeowners insurance, apply the Goldilocks principle. You need to find a policy that is “just right” Your cozy one bedroom condo needs different coverage than a sprawling country estate. TSG represents a number of Canada’s top Insurance Companies that offer a wide range of coverage options. Find out what’s best for you and click here to get your free online home insurance quote and if you see what you like, you can even purchase your policy right from the comfort of the home you are insuring! If you still want more information about what coverage TSG has to offer, read on.

How Does Homeowners Insurance Protect Me?

Fire, theft, damage from the elements like wind, rain and snow and accidents. . . these are the kinds of unfortunate events that could cause you to lose sleep at night, if you didn’t have the protection of homeowners insurance coverage. A homeowners policy will cover the damage to your home and contents should one of these events occur, thus making it easier for you to get that much needed rest! The personal liability portion of a homeowners policy provides coverage for personal injury to anyone on your property or visiting your home.Each home insurance policy offers slightly different protection, however there are 3 standard types of policies as follows:Comprehensive: This is the most inclusive policy as it covers both the building and the contents against “All Risks” except for what is specifically excluded on the policy.Broad: This is similar to the comprehensive policy as it does provide coverage for “All Risks” however only on the building. The contents coverage is on a named perils basis and would only be covered against the risks that are listed on the policy.Basic or Named Perils: As the name would suggest, this is a very basic policy and only provides coverage against risks that are specifically stated in the policy. Basically, if it’s not listed, it’s not covered. This type of policy can save you a bit more money on your premium, but offers much less coverage.If you have more questions about coverage or would like to speak to one of our knowledgeable advisors, you can chat with them live online or call our office. If you have already read all you need to know, Click here and get a quote and purchase your homeowners insurance immediately online from the comfort of your own home today!