Home Insurance companies Ontario
This package of insurance coverage is designed to cover the usual property and liability exposures associated with home ownership. These include the dwelling, personal contents, premises and personal liability protection for members of the immediate family. To qualify for this package of coverage, the dwelling must be insured to 100% of the current replacement cost.
This package of insurance coverage is identical to a Homeowners, except that the dwelling is owned by one family member and occupied by another immediate family member.
Types of Dwellings
We know that there is more than one type of property that needs coverage. This is why we have multiple insurance options available to suit your specific needs. See below for types of dwellings covered, as well as discounts and additional coverage available.
Single Family Dwelling
This type of dwelling is a stand alone structure, designed for occupancy by single family unit.
This type of dwelling is a side-by-side, two family dwelling. Semi-detached dwellings are divided by a common wall, with each residence having a separate entrance.
Row housing is a series of dwellings built in a row, designed to accommodate several families in individual units. Row housing dwellings are divided by common walls, with each unit having a separate entrance.
Townhouses are a series of dwellings built in a row, designed to accommodate several families in individual units. These dwellings are divided by a parapet, with each unit having a separate entrance.
This type of dwelling is a prefabricated structure, built in a factory on a permanently attached chassis before being transported to site. Mobile homes are left permanently, or semi-permanently, in one place but can be moved if necessary. If this type of dwelling is skirted and used as a permanent home, they can often qualify for a Homeowners Insurance Package.
Modular or Manufactured Home
This type of dwelling is built in a factory and then taken to the building site and put in place on a foundation. When finished, modular or manufactured homes appear to be a site-built conventional dwelling
This type of dwelling is a stand alone structure with more than one self contained unit. Each of these units has a separate kitchen, bathroom and living area. Other common terms for type of dwelling include Duplex & Triplex.
A duplex is a two family dwelling with one on top of the other. Each of the units has a separate entrance, specifically designed and built this way.
A triplex is a three family dwelling with one on top of the other. Each of the units has a separate entrance, specifically designed and built this way.
For multi-family dwellings to qualify for a Homeowners Policy the owner(s) of the property must occupy at least one of the units.
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