Your home is one of the most important assets you own. Whether you just bought a new home in the Kingston area, are relocating to a new neighborhood, or are looking to save money on your existing home insurance policy, having home insurance protection is important.
Home insurance, also called homeowners insurance, is a type of insurance product that covers a private residence. It provides coverage for residents for any repair or rebuilding that is caused by an insured peril. Perils might include fire, smoke, theft, vandalism, falling trees, and weather damages like lighting, wind, or hail. A home insurance policy might also cover the homeowner’s possessions like furniture, clothes, and more.
Real estate prices in the Kingston area are relatively cheaper compared to big cities. Situated midway between Toronto and Montreal, Kingston is home to many heritage buildings and tourist attractions that boast beautiful waters and islands. With a stable and diverse economy, particularly in healthcare, post-secondary education, manufacturing, and tourism, Kingston is a great place to invest in a home.
When owning a home is one of the biggest investments people make for their futures, it’s important that the investment stays protected as a secure shelter for you and your family.
Request a homeowners insurance quote online or give us a call at 1-855-777-4376 (HERO).
Home Insurance Coverage Kingston
A home insurance policy may help protect your property and its contents in case of theft, loss, or damage to the interior and exterior of your home and other properties. If your home is being rebuilt or repaired because of damages by an insured peril, your homeowners insurance policy may also include living costs incurred during that time, such as a hotel or rental expenses.
Just like any insurance product, a home insurance policy is not standardized. Although insurance companies that serve Kingston residents can offer pre-packaged homeowners policies with common coverages, you can also choose to customize your home insurance policy. For example, you can opt to be protected against all perils, or choose specific perils that you want coverage against. You can also choose the coverage limits and deductible amounts you want for your home insurance policy.
Your home insurance policy may cover loss and damage such as:
- Protection for your home
- Personal property that you and your family own, including furniture, electronics, clothes, and more
- Any detached structures, including sheds and carports
- Living expenses in case you need to find a new place to live temporarily while your home is being repaired or rebuilt
- Liability for property damages and bodily injuries caused to your neighbors or anyone else that’s on or visiting your property