Property & Home Insurance
Home insurance that’s as unique as you are.
Whether your home is a house, condo, or rental apartment, it is often your largest and most important possession. For that reason, Aon believes it deserves adequate care and security. Protecting you, your family and your personal valuables is just the beginning of the Aon difference. We take the time to verify that your home and valuables are adequately protected against damage and theft. You won’t get painted with the same brush as your neighbours.
Along with standard home, condo, and tenant insurance, Aon offers property insurance for cottages, trailers, secondary dwellings and farms. Our customized policies are designed for wherever you call home, regardless of your living arrangements. We’ll help you secure a policy from one of Canada’s top house insurers that goes above and beyond and often includes added features or discounts, so you can spend less time worrying and more time enjoying.
House Insurance for All Kinds of Homes
Homeowners insurance coverage extends beyond detached houses. We take care of all types of dwellings and personal property related to your home.
Condo Insurance – Coverage under condominium insurance accounts for any damage to common areas and improvements you make to your unit and includes many of the advantages of a standard home insurance policy.
Tenant Insurance – If you rent your home, condo, or apartment, Aon can take care of coverage for your belongings with contents insurance and damage to the landlord’s property.
Seasonal Homes – Whether you have a cabin, a mobile home, a trailer, or another type of home that you spend time in, insurance for the seasonal home can cover you in unexpected events that occur. This is especially useful when you are away, and an accident happens.
Detached Structures – Your home is more than just four walls and a roof. If you have detached structures like a garage or a shed, those will also be protected against damage and theft.
Secondary Dwellings – Whether it’s a 4-season cottage, a farm or a rental property, Aon has solutions for year-round peace of mind.
Personal Belongings – Your property inside the house, such as furniture, electronics, and valuables, are covered while they are on your property or temporarily removed, such as when you travel for work.
What Our Home Insurance Policies Cover
Home insurance covers everything related to your home except those directly mentioned as exclusions in your policy.
Water Damage - Covers events which cause water damage by sewer backup and sump overflow, below-ground seepage through foundations and floors, and overland water from any stream or body of freshwater which enters the home.
Natural Disasters – Certain parts of Canada are prone to extreme weather conditions and natural disasters ranging from earthquakes to hail. Home insurance covers damage to your property that occurs because of weather.
Personal Liability – If a visitor gets injured inside your home, or you accidentally damage someone else’s property and must pay for the damages, then home insurance will protect you against high repair and medical costs.
Living Expenses – If you cannot stay in your home due to damage or repairs, then temporary accommodations will be covered up to a maximum amount.
Identity Theft – Covers you and anyone else on your policy in cases where your identity is stolen. We reimburse for any legal fees, lost wages, and certain other costs up to a stated maximum amount.
Factors Affecting Home Insurance Quotes
Every home is as unique as its owner, so we use the information on a variety of factors about your home and property to determine the premium each client pays when offering you a home insurance quote. These can include:
- The age, size, and features of your home
- The building materials used
- The location of your home
- Your property claims history
- The crime rate in your neighbourhood
- The value of your personal belongings
- The type of coverage and deductible you choose
- Your credit score
Once we have all the relevant information about you and your home, your Aon personal insurance broker can get you a quote for your home insurance. It’s that easy.
Additional Home Insurance Discounts
Here at Aon, we take the time to understand your lifestyle and make sure that we uncover all the ways we can save you money. We won’t compromise on coverage, but we will strive to get you the best protection at the best value using additional discounts, which include:
|Newer home||Alarm system||Mature citizen|
Additional Home Insurance Benefits from Aon
Personal property protector - your discount is maintained regardless of your first claim.
House Insurance Protection You Can Depend On
Your home insurance safeguards you from financial loss. and It will provide you with a refund if your home or personal effects are stolen or if another unforeseen situation arises that is specified under your property policy. If you do have a fire, for instance, your home (and garage) or portions of it will likely need to be rebuilt. With a home insurance policy, you will be reimbursed for the value of items, such as furniture, clothes and computers, or the items will be replaced. Your policy will also pay for some of your extra living expenses should you not be able to live in your house while it is being restored. Alternate living arrangements, storage and meals are some of the things covered through your home insurance plan.
Your policy also provides personal liability coverage. If someone is injured while visiting your home, they could sue you for damages. If they win and are awarded a significant settlement, it could have a dramatic negative effect on your finances. Wages could be garnished and getting back on your feet could be difficult. House insurance also protects you against liability for damage to someone else’s property.
Home Insurance FAQs
Is Contents Insurance Mandatory in Canada?
While contents insurance is not mandatory in Canada, your rental agreement may require it. Contents insurance is relatively affordable, and a simple policy can offer peace of mind that your clothing, furniture, and other possessions can be quickly replaced in the event of theft, fire or another situation.
Does Home Insurance Cover Flooding?
Insurance for flooding and other water-related issues like sewer backup is an optional coverage you can choose to add to your home insurance policy. Not every home is eligible for this coverage, particularly if you live near a large body of water or if many of your neighbours have had flooding issues in the past. Speak with an Aon representative to learn if your home is eligible for this coverage.
How Can I Lower the Cost of My House Insurance?
Just as a variety of factors may cause your house insurance rates to rise, there are a few things you can do to lower them. Choosing a higher deductible, having a home security system or even having a fire extinguisher on hand can all help you to reduce your house insurance premiums. An Aon representative can help you to identify other ways to lower the cost of your house insurance.
Let Us Make it Home Insurance Easier
Are you seeking a quote for home insurance? If you have questions or aren’t sure about the solutions available to you, we can help. You can get an online quote or talk to a personal insurance broker who will provide you with the answers to your concerns.