We Make Insuring Your Home as Easy as Possible.
Home and Property Insurance in Ontario
Finding a house to call home is a big commitment, and protecting that house is an even bigger responsibility.
At dbi Brokers Ltd, we meet the unique needs of homeowners in Ayr, Goderich, Paris, Simcoe, and surrounding areas by making the process of insuring your home as easy as possible. We work with you to create a customized insurance plan within your budget. Additionally, we'll contact you with any updates and available discounts, and review your policy with you.
Let our experienced brokers ensure you have the proper coverage if the unexpected happens and, if needed, help you navigate the claims process with ease.
Our home insurance policies typically include coverage for:
-
Dwelling and Structures
This protects the physical structure of your home and any other structures on your property like a garage or a shed.
-
Personal Property
Protection for your belongings like, furniture, electronics and other household items in the event of a fire, theft or other covered events.
-
Liability
Protection in the event that someone is injured on your property that you are held responsible for.
-
Additional Living Expenses
If you are unable to live in your home due to a covered event, this coverage can help cover the cost for your temporary housing and other necessary expenses.
What’s in a Premium?
Premiums are primarily determined by the rebuild value of your house, which is assessed through an evaluation considering various aspects of the property. A lower evaluation of the rebuild value generally leads to a lower premium. However, factors such as the location of your house and the coverage you desire also significantly influence the premium.
How to Save
Each insurer offers different options for discounts. If you have a security system or a hardwired sprinkler system, you'll likely qualify for at least one discount. Additionally, factors such as your age, mortgage status, claims history, and insurance loyalty may help you earn further discounts.
Quality Service
The last thing we want is for you to worry about submitting a major claim to an insurance company. To make it easier and hassle-free for you, we have a dedicated in-house claims team. The claims specialists on this team support you through the process, allowing you to go about your day with less to worry about.
Ready to Get Started?
As brokers, we have the flexibility to assess various insurance companies and select the one offering the optimal blend of premium and coverage tailored to your needs.
To ensure precision, we commence with an evaluation of your home. This evaluation necessitates details regarding the construction of the house, including the approximate year of construction, square footage, information on heat sources, electrical systems, plumbing, and roofing.
While we can provide quotes without these specifics, the more accurate information we receive, the more precise the quote will be. Click below to inquire!
“Happy client for over 30 years! We recently had some trouble with a homeowner’s policy and dbi Brokers were an incredible help. Really walked us through a stressful situation and made it so much easier! Their personal and professional touch made a huge difference here!”