Here’s Why You Need Home Insurance

Do you own a house in Whitby? Are you and your family planning to keep your clothes, cellphones, laptops, or anything of value in your home while you live there? If your answer to either of these questions was, “Yes.”, then you need home insurance. Here’s a list of three reasons why we think home insurance is an absolute must-have for Whitby homeowners:

1. Home Insurance Can Give You Financial Support and Assistance

When an insured peril is in the process of ravaging your house, you could literally and figuratively find yourself watching everything you own go up in smoke. In your day-to-day life, you might not be thinking about the cost of replacing your kettle or buying a new kitchen table. But when you’re being forced to rebuild your home in the aftermath of an insured peril, your home insurance policy payout can make all the difference.

For many Canadians, the funds needed to cover the cost of replacing the roof or rebuilding the garage could take years to save up. When you’ve got well-designed home insurance, however, acquiring those funds can be as easy as filing an insurance claim and receiving what you’re owed.

2. You Can Get Coverage Against Personal Liability Claims

Everyone has heard about “fall and slip” lawsuits in commercial settings. But what a lot of people don’t realize is that if someone trips and has an accident on your property, you could be taken to court and sued.

Legal fees are incredibly expensive in the best of times. And if you’re ordered by the courts to pay the other person a certain amount of money, the judgment costs could put a serious strain on your finances. Insurance Hero’s home insurance policies include personal liability coverage. Our home insurance solutions can cover the cost of your legal defence as well as your settlement or judgment costs up to the limit of your policy.

3. Home Insurance is Reassuring to Lenders

When it comes to money, mortgage lenders are a cautious bunch. And while home-destroying fires may be a relatively rare occurrence, your financial backers may be reluctant to release your funds if they think that their investment is at risk. If you’re planning to take out a loan for your home purchase, having adequate home insurance can help you navigate the mortgage process more efficiently. 

Here at Insurance Hero, our home insurance policies can cover items like:

• Your home and your garage, patio deck, or toolshed;
• The property owned by you and your loved ones;
• Your living expenses if you’re forced to relocate while your house is being repaired;
• And more!

Looking to insure your home but not sure how to go about it? Never fear, Insurance Hero is here! Request your FREE home insurance quote today.

How much home insurance do I need in Whitby?

The answer to this question depends on factors like:

• The value of your house and your property
• Your home’s location
• How old your house is
• The repairs that may need to be done
• The amount of home insurance coverage you’re looking for

Here at Insurance Hero, we’re committed to helping Whitby homeowners secure amazing home insurance coverage at the lowest price possible. 

If you need a precise home insurance estimate, we can come to your rescue! Request your FREE home insurance quote today!

How much home insurance do I need in Whitby?

The answer to this question depends on factors like:

• The value of your house and your property
• Your home’s location
• How old your house is
• The repairs that may need to be done
• The amount of home insurance coverage you’re looking for

Here at Insurance Hero, we’re committed to helping Whitby homeowners secure amazing home insurance coverage at the lowest price possible. 

If you need a precise home insurance estimate, we can come to your rescue! Request your FREE home insurance quote today!

Does my home insurance policy cover my valuable possessions such as jewelry or artwork?

There are simple, everyday items that don’t cost a lot to replace. And then there are wine collections and priceless family heirlooms that are valued somewhere between “A small fortune.” and “Priceless.”. The last thing you want to experience after finding out your high-value possessions were lost, damaged, or destroyed is the horror of discovering that your belongings weren’t covered under your insurance plan.

If this is a concern that you have, then you’re in luck! Here at Insurance Hero, we do offer coverage for the contents of your home. But if your items are extremely valuable, your insurance advisor may have to create a customized home insurance solution.

Are you looking for a home insurance policy that can protect your high-end valuables? Insurance Hero is here to save the day! Contact us for your FREE home insurance quote.

What factors determine home insurance costs?

The reality of home insurance is that quotes and costs can vary dramatically from household to household. So how do insurance providers decide how much to charge for a policy? Some of the factors that may affect your quote include:

• The age of your home
• Whether your home needs repairs
• Your personal claims history
• The replacement value of your belongings

If you need a precise estimate, we’ve got your back! Request your FREE home insurance quote today!

Am I covered for damage caused by catastrophic weather events?

The short answer is “Yes, most likely.”.

Sometimes there’s no accounting for being in the direct path of a tornado or a hailstorm. But unless you’ve excluded catastrophic weather events from your policy, our home insurance packages will typically extend coverage if your house is damaged by a catastrophic weather event.

Worried that a storm could destroy your home? Insurance Hero is here to help! Contact our award-winning team to learn more about the coverages we offer with our home insurance policies.

What is “comprehensive coverage” in home insurance?

When you see the words “comprehensive coverage” being used to describe a home insurance policy, it means that you’re looking at a plan that will cover your house, your detached structures, and your stuff from anything and everything that isn’t specifically excluded in your contract.     

Protect Your Whitby Property With Home Insurance

In our view, home insurance is just as important to Whitby homeowners as purchasing the right sofa, bed, or programmable coffeemaker. You never know if you’ll have the misfortune of seeing your house burn down or your valuables destroyed. When you have the right home insurance policy, you’ll never have to lay awake at night and wonder what you’ll do if and when the unthinkable occurs.

Start protecting the investment you’re making in your property today. 

Looking for the best home insurance solutions in Whitby? Let Insurance Hero come to the rescue! Request your FREE home insurance quote today!