Here’s Why You Need Home Insurance

If you’re a current or soon-to-be Windsor homeowner, high-quality home insurance is an absolute must. Why? Because having the right policy can help you save money while preparing for the unexpected. On that note, here are some of the biggest reasons why we recommend home insurance to all of our homeowning Windsor clients:

1. Home Insurance Gives You Financial Protection

From roof re-shingling to garage rebuilds, home repairs can be expensive in the best of times. If you asked most Canadians to replace all of their homes and belongings on short notice, the majority would struggle to come up with the funds. When you have solid home insurance, you don’t have to worry about paying for repairs if the damage was caused by an insured peril. For this reason, home insurance can give you a financial cushion in the event of a disaster.

2. You Can Get Coverage for Your Personal Belongings

When a fire has broken out or a tornado is wreaking havoc on your property, your home isn’t the only item you own that’s in danger — your personal belongings may also be at risk. In addition, if you have furniture, clothes, and electronics in your home, you could be looking at thousands of dollars worth of damage to your items.

Despite its name, home insurance coverage isn’t restricted to just covering your house. Your policy can also compensate you for the damage or destruction of the items you keep in the house. 

3. Home Insurance Can Help With Personal Liability Claims

If a neighbour slips and falls on your property or your dog bites a guest, the injured person could choose to pursue legal action against you – and you don’t need us to tell you that legal fees and judgment amounts are expensive. 

One of the major benefits of home insurance is that it can cover legal expenses and awarded costs if you have to defend yourself against a personal liability claim. ​

When you secure home insurance through Insurance Hero, your policy might be able to cover things like:

• Your home
• Structures on your property like garages, or toolsheds
• Living expenses if you ever have to relocate temporarily 

Are you looking for home insurance in Windsor? Let Insurance Hero come to the rescue! Get your FREE home insurance quote today!

What risks does home insurance cover in Windsor?

The answer to this one will ultimately depend on your insurance policy. But home insurance-related risks, or perils, will generally fall into one of two categories:

• Specified or named; and
• Unspecified or comprehensive

If your home insurance policy covers specified perils, then you’ll only be covered against the risks that you’ve specifically named in your policy. When you have a comprehensive or all-perils home insurance policy, however, you have coverage against everything except for what you’ve listed in your policy.

Not sure what type of home insurance policy you want to take out? Insurance Hero can come to your aid! Request a FREE home insurance quote from our award-winning team today!

What can you do to save on home insurance in Windsor Ontario?

Many Windsor residents see their home insurance rates as more or less set in stone. But the truth is that you might have more say over your home insurance rates than you think. Some of the home insurance discount opportunities available with many insurers include:

• Purchasing your car and your home insurance from the same provider
• Installing a security system that’ll make your home less of a target for would-be thieves
• Limiting your home insurance coverage to what you need

Plus in addition to all of these suggestions, there’s another way that you can secure amazing coverage at a reasonable rate — you can purchase your home insurance through Insurance Hero. Our award-winning team members put on their capes every morning to help our clients save even more money on their home insurance policies. 

Want to experience the Insurance Hero advantage for yourself? We’ve got you covered! Request your FREE home insurance quote today!

What kind of home insurance do you need in Windsor Ontario?

This one’s hard to answer because no two properties are ever exactly alike. One homeowner might need a policy that covers high-end valuables while another one might need an insurance package that covers detached structures.

For these reasons and more, your Insurance Hero advisor will evaluate the characteristics of your property before recommending a personalized home insurance package.

Want to make sure that you’ve got the right home insurance policy? Contact Insurance Hero! We’ll help you find the right insurance for your property and your budget.

How to get your quotes for home insurance in Windsor Ontario?

This one’s easy! Insurance brokers and providers are always happy to send quotes – us included!

If you would like a FREE, no-obligation home insurance quote, Insurance Hero is here to save the day! Contact our team to begin your insurance journey today.

When Should I Get Home Insurance?

Ideally, as early in the homeowning process as you can. From negotiating with mortgage lenders to making sure that you have insurance coverage from Day 1, homeownership becomes a lot easier when you have home insurance right at the beginning.

Protect Your Windsor Property With Home Insurance

If you’re like most Canadians, chances are that your home could very well be your most expensive asset. And in a world where electrical fires, thunderstorms, and tornados are all too common, home insurance can give you a comfortable financial landing if an insured peril damages your home or your belongings. Taking out home insurance doesn’t just make sense for Windsor homeowners – it’s an absolute necessity.

Are you a Windsor-based homeowner who is in search of top-notch home insurance coverage? Never fear, Insurance Hero is here! Our brokers will carefully evaluate your property before helping you find a home insurance plan that works for your lifestyle and your budget. Don’t wait. Request a FREE home insurance quote today!