Property Insurance

Whether you own a house, cottage, condo or rent, you need insurance coverage for your property. Let us assist you in ensuring adequate coverage for what is probably the biggest investment you have. We can assist in determining the replacement value of your property and make suggestions with respect to special limits that may apply to you. Home-based business insurance is also available..

Property Quote

If you would like a quote for Home / Tenant / Condominium Insurance, please fill out the form below and we'd be happy to get back to you with a quote.

Contact Information:
Name:
Email Address:
Address:
City:
Province:
Postal Code:
Phone Number:		enter as (555) 555-5555
How do you wish to be contacted?		Email    Mail    Phone  ( daytime  evening)
General Questions:
Do you own your home or condo unit or rent?:		Home Owner    Condo Owner     Renter
Estimated replacement value of dwelling (homeowner only):
Estimated replacement value of personal property (condo & renters only):
Age of dwelling:
Square footage of dwelling:
Hydrant protected?		yes     no
Policy deductible preferred:		$500     $1,000
Liability amount requested:		$2,000,000     $5,000,000
Have you had any personal property claims in the past five years?		yes     no
Discounts available:		Monitored Alarm   Mortgage Free Non-smoker          Insured over 50
How did you hear about us:		(choose one) Friend/Referral Internet Search Yellow Pages Newspaper Ad Flyer Other website
Reason for Enquiry:		(choose one) Better Service Price Policy Cancelled First time insured
Please copy the following text into the textbox

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Property FAQs

If you need more information, e-mail us your questions at info@bhinsure.ca.

1. What are "special limits" in my policy?

Each property policy contains a section which limits the amounts paid out for certain items. For example, most policies limit the amount of jewellery, cash, silverware, furs, sports equipment coverage, to name a few. Check your individual policy for limits or contact your broker.

2. Does my child who attends school away from home have coverage?

Most insurance policies contain a clause providing limited contents coverage for students who are living away from home. Again, check your policy wordings or contact your broker.

3. Why is there a deductible?

A deductible is the amount that you have agreed to pay towards the cost of each claim you make and can reduce your premium costs. Your insurance policy is meant to cover financial losses you would be unable to afford otherwise and a deductible prevents the insurers costs in settling small claims.

4. What coverage do I need for my Condo? Don't my monthly condo fees cover my insurance?

Each condominium corporation may handle insurance differently. In most cases, they insure the "standard unit" which would be defined in their contracts. Normally this would include the originally constructed unit before upgrades or improvements. Therefore, it is up to each individual unit owner to insure the cost of upgrades, improvements and the contents of their condominium unit.

5. Why do I need tenant's insurance?

You may tell yourself that the contents of your apartment are not worth insuring, just a few hand-me-down pieces of furniture and clothes. If something happens, I can afford to replace it. However, if you are the cause of damage to the building you rent or cause smoke or water damage to other apartments, this is where it can become costly. Liability insurance coverage, which is purchased in connection with contents insurance will provide you with peace of mind in the event of a loss.

Property Insurance Links

Wood Energy Technology Transfer Inc.

Ontario Association of Home Inspectors

Energy Saving Tips

Home Safety

Electrical Safety Authority

Insurance Bureau of Canada

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