Rest easy. We’ve got you covered.
You’ve invested time and energy into creating a home that you love and where you’re comfortable. Dawson & Keenan can help you protect every square foot of it, including all of your cherished possessions. With a range of optional coverages available, we’ll make sure we find the right home insurance for your lifestyle.
Our expert team of insurance brokers in Sault Ste. Marie, Wawa, Thessalon, and Algoma District will take the time to ask the right questions to understand your specific needs and concerns. Then we’ll compare all possible plans to find you great coverage at the best price.
Home insurance customized to your needs.
What keeps you up at night when it comes to protecting your home? Everyone’s concerns differ, which is why it’s great to have coverage options that insure your home, your way. Some of the most important options to consider for your home insurance coverage include:
- Weather-related damage from wind, hail, snow, ice, and lightning
- Water damage, including sewer backup, burst pipes, or flooding
- Falling debris, such as from a tree that has fallen on your roof
- Fire or smoke damage to your property
- Theft of your belongings
- High valued personal belongings (ie: engagement rings)
- Don’t see what you’re looking for? Ask us.
Every insurance provider writes their home insurance policies differently. Some options will come standard with your policy, some won’t be included. Once you decide which types of protection you want, Dawson & Keenan’s experienced home insurance brokers will search and find the policy that will be the right match for you.
Discounts to make the most of your home insurance.
Did you know that you may be eligible for discounts on your insurance coverage, depending on the package you choose? It’s an important part of our job to find you the best protection at the lowest rates – and to also make sure you receive all the discounts available to you.
Bundling multiple policies can be beneficial, and so can other details such as being a non-smoker, having a home alarm and so on. Make sure you provide us with all the details, so we can find the best value for your situation.
D&K Top Tip
Stay updated on the true value
A key part of evaluating the best home insurance coverage and rates is to have a clear understanding of your home’s value. That includes estimating the cost of what it would take to rebuild your home and the replacement cost of its contents. If you plan on or have done any renovations, you should discuss this with your broker to ensure you have proper coverage.
Frequently Asked Questions About Home Insurance
Q: Why do I need home insurance?
A: Your home is likely your largest and most valuable asset, and it is a special and important place for you and your family. In addition, if you have or apply for a mortgage, your lender will require you to have property insurance. Of course, it’s highly recommended that you have the protection of comprehensive home insurance to cover you for everything from liability to theft to fire and many other vulnerabilities.
Q: Does home insurance cover damage from accidental escape of water?
A: If a pipe bursts inside your home or water escapes from a hot water heater, washing machine, or other home appliances, most home insurance policies will cover the cost of repair or replacement up to the limits of your coverage. During cold months, if you are away from home for more than 96 hours, you must shut off your water and drain the pipes or have someone check your home daily. Otherwise, a claim could be denied.
Q: Does home insurance cover damage from flooding?
A: This depends on certain factors. If you live in a designated flood plain, you may not be able to get coverage for this. There are some options you can add to your home insurance for added protection though, such as sewer backup coverage (covers you for sudden/accidental backup of water through a sewer, septic system, sump pump, or drain) and overland water coverage (covers you if surface water enters your home through a point above the ground).
Q: What is covered when a tree falls on my house during a windstorm?
A: You’re covered for home repairs and any damage to your possessions caused by those fallen trees and branches.
Q: What is covered if my house suffers from water damage during a storm?
A: Homeowners insurance will generally cover water damage from rain if it enters your home due to a covered peril. For example, if a windstorm creates an opening on your roof and rain gets in then you’ll be covered. A standard policy won’t cover flooding. You need to buy separate flood insurance coverage for that. See questions above for details.
Q: How much coverage do I need for sewer backup?
A: It depends on whether or not you have a finished basement. Your coverage should represent the replacement value of your renovations and contents.
Q: How do renovations affect my home insurance?
A: Renovations can affect the replacement cost of your home, so it’s important to alert your insurance broker if you’re thinking about making (or have already made) any renovations.
Q: If my house becomes vacant or rented, do I need to tell my broker?
A:The simple answer is ‘yes’, you have to contact your broker.
It’s always a good idea to check in with your insurance broker if you plan to leave your home vacant for weeks or months at a time – just to make sure you’re covered if anything happens while you’re gone. The same goes if you’re planning to rent out your home. Changes in occupancy will impact your coverage.
Q: How are my home insurance premiums calculated?
A: An insurance carrier will look at several factors, including:
- Proximity to fire station and/or hydrant/water supply
- Your home’s age and any updates
- Type of construction materials used
- Type of heating system