HOME INSURANCE

We take the worry out of purchasing the right insurance for your home and all of your assets.


When you work with a SMI Broker, you will receive a personalized customer experience that provides you with professional advice and guidance to choose the right insurance package for you. 

Stewart Morrison Insurance provides customized home insurance coverages that suits your lifestyle. 

HOME

HOME

When considering your home insurance needs, it is important to understand the coverages that are available including:
  • Value of Your Home
  • Water Damage Protection
  • Scheduled Items
  • Personal Liabilty

We make sure you have the right insurance at the best price, including an assessment of the replacement cost for your home in the event of a claim.

CONDO

CONDO

As a condominium owner, you know all the benefits of living the condo life; however there are also unique risks. Condo owners in Ontario require special coverage to ensure that there is no gap between the condo corporation policy and your individual insurance policy.

COTTAGE

COTTAGE

A seasonal cottage, year round second home, a log cabin, or even a cottage on an island, we can insure that. Insurance coverages vary depending on the policy, but can include:
  • Your Cottage
  • Contents
  • Detached Buildings
  • Rental Income
  • Watercraft
  • Liability
     
Let us help take the worry out of living your best life.

TENANT

TENANT

Your landlords insurance policy doesn’t cover you or your belongings. You need tenants insurance to protect your belongings from fire, theft, vandalism and other events that could occur. Because you are renting, you could be personally liable for damages you cause. A tenants package includes Personal Liability insurance and is more affordable than you might expect!

HIGH VALUE HOME

HIGH VALUE HOME

The custom Luxury Home policies offered by SMI considers the unique features of custom, luxury and heritage homes, closing the gap between a standard home policy and special assets you may have such as wine, art and jewelry collections. A professional Replacement Cost appraisal will be completed, at no cost to establish proper limits  on your high value home. 
 Don't see the package you are looking for?

MyBroker

Here to provide real-world answers.

At Stewart Morrison Insurance, our clients are paired with a dedicated broker to help ensure that your experience, coverage, and confidence is the highest it can be.


More about my broker
Jill Kimble
Your Dedicated Broker:
Jill
Kimble RIB (ON)

705-887-2517

THREE TYPES OF HOME INSURANCE POLICIES

Generally, a Home Insurance policy can be provided to you in one of three types.
 
BASIC HOMEOWNERS INSURANCE

The Basic Homeowners Policy provides limited coverage for your home, its contents and Personal Liability for specified circumstances.
BROAD HOMEOWNERS INSURANCE

If you're looking to cover more than just the bare minimum, the Broad Homeowners Insurance policy may be for you! This policy provides  All Risk coverage for your home, Named Perils coverage for your contents, as well as, Personal Liability coverage.
COMPREHENSIVE HOMEOWNERS INSURANCE

The Comprehensive Homeowners Policy is the best coverage for your premium dollar. The policy provides  All Risk coverage with Replacement Cost for your home, contents and includes Personal Liability protection. It can be adjusted to include other assets that you may have.

WHAT A HOME INSURANCE POLICY COVERS

Your home insurance policy coverage can be broken down into four key areas. 

 

YOUR HOUSE

Coverage for your dwelling/ building to repair or replace in the event of a loss or damage.

PERSONAL PROPERTY

Personal Property is coverage for all contents in your home such as clothing, furniture, electronics and appliances. Coverage can extend off-premises when you are travelling, if you have a relative move to a retirement home or a student away at school.

DETACHED BUILDINGS & STRUCTURES

Coverage includes your detached garage, pool house, garden shed, workshop, etc., any buildings that are separate from your home.

ADDITIONAL LIVING EXPENSES

After a loss, sometimes your home can be deemed unlivable or you're denied access to your residence by police because of damage caused by an insured peril. In these situations, your home insurance policy provides coverage for expenses such as hotel stays or restaurant meals.

PERSONAL LIABILITY

Personal liability will protect you against a lawsuit as a result of your personal actions.


Above the
Basic Home Insurance Coverage, there are many options avaliable to enhance your insurance.

If you want complete coverage,  
ask your broker  about the following!
                   
                
    Guaranteed Replacement

                     Identity Theft

                     Additional Personal Property

                     Water Damage / Sewer Backup
Do you have questions about your Home Insurance?
Your Dedicated Broker:
Jill Kimble