Insurance

Home Insurance Entirely UniqueEntirely Specific

Purchasing your home is one of the largest investments you may make, which is why you want an insurance policy you can rely on. All standard home insurance policies includes protection for your dwelling, outbuildings, belongings and personal liability but there are other factors to consider such as coverage for Sewer Back-up & Water Damage, jewellery, Identity Theft, a rented basement or a home based business. At McDonell Levert Insurance we work with you to create an insurance policy to include the coverage you need at a premium to suit your budget.

Call to speak with one of our helpful brokers.

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Optional Coverage

Escape of fuel coverage

If you use oil to heat your home, this optional insurance covers you for damages caused by oil leaking from your tank.

Comprehensive water coverage

Comprehensive Water coverage insures various types of water damage including water, septic or sewer backups, storm surge, and flooding from the overflow of a natural or man-made body of water.

Earthquate coverage

This extra coverage extends your policy to cover damage caused by earthquakes

Personal belongings coverage

Standard contents policies cover your belongings at home, but not necessarily when you take them out and about.

You can pay extra for this sort of protection with personal belongings, or personal possessions cover.

It will insure your personal belongings against loss, theft or accidental damage when you take them anywhere, whether it’s in Canada or worldwide.

Things like your jewellery, laptops and mobile phones could be covered. Some policies pay out for lost or stolen cash, up to a certain amount, too.

Valuables coverage

Most home insurance policies have single-item limits. This is the maximum amount they’ll pay out for one particular item.

Any high-value items, such as jewellery, paintings, watches, stamp or coin collections, may need to be listed separately on your policy to be covered.

Guaranteed replacement on building

Under your home insurance policy, the home is assigned a specific replacement value. With Guaranteed Replacement Cost, the actual cost to repair or replace your home is covered, even if this cost exceeds the insured limit. This coverage is automatically included in our Prestige home insurance plan if the dwelling is not a heritage home.

Key Questions to be asked

  • Age of building
  • Square footage
  • Updates to the Roof, Electrical, Plumbing and Heating
  • Insurance History (including any claims or lapses in coverage)
  • Secondary Home
  • Seasonal Cottage
  • Property with Acreage

Tenant & Condominium Owner Coverage

Even a Tenant and Condo insurance policy requires the right coverage for you. Assessing the correct value of all your belongings as well as any Betterments & Improvements will result in a policy ensuring you are properly covered should a claim occur.

Did You Know?

You can also include the following items under most Home, Mobile Home, Tenant and Condo policies: 

  • Boat and Motor Insurance
  • Seasonal Home Coverage
  • Rented Basement and/or Rental Home Coverage
  • Home Based Business

Discounts

There are also a number of discounts and preferred rating available, just let us know if you are or have any of the following:

  • Claims Free
  • Mortgage Free
  • Monitored alarm
  • Multi Policy
  • New Home
  • Non-Smoker
  • Over 50 years