Serving Ottawa, Ontario & Surrounding Communities since 1946
Choose Home coverage with Hicks Insurance Brokers
No matter what challenges you may face, you can rely on our knowledgeable home insurance brokers in Ontario to provide unwavering support and guidance. We are committed to helping you navigate the complexities of home insurance, ensuring that you have the coverage you need to safeguard your most valuable asset.
Your home is likely the most important investment you’ll ever make. It serves as a sanctuary where you find comfort, nurture your family, and create lasting memories that you will cherish for a lifetime. At Hicks Insurance, we understand the significance of this investment and are dedicated to assisting you when the unexpected happens. Our mission is to protect you, your property, your home, and those cherished moments that define your life. We want you to experience true peace of mind in your home, knowing that you have the best home insurance in Ontario tailored to your unique needs.
Why choose Hicks Insurance for your Home insurance?
Expert advice from professionals with experience insuring homes in your community
Comprehensive options from top insurance providers to protect your assets and loved ones
Personalized quoting and renewals by a broker in your area
Protection when you need it
Selecting home insurance is one of the wisest choices you can make, as it offers you reassurance and security in the face of unfortunate events. Whether it’s damage from a natural disaster, theft, or unforeseen accidents, having the right insurance policy can make all the difference.
Home insurance policies in Ontario can vary significantly, and understanding these differences is crucial in making an informed decision. Various factors influence the coverage options available to you and the premiums you pay, including the homeowner’s profile, the property’s age, its location, and even the specific features of your home.
Home Insurance FAQ
At Hicks Insurance, we pride ourselves on our commitment to customer service and our deep understanding of the Ontario insurance landscape. We work tirelessly to find the best solutions for our clients, ensuring that you are not only protected but also empowered to make the best choices for your home and family. With our expertise by your side, you can rest assured that you are making a sound investment in your peace of mind and the safety of your home. Let us help you navigate the world of home insurance, so you can focus on what truly matters—creating memories and enjoying your sanctuary.
What types of home insurance are available in Ontario?
In Ontario, there is a wide range of home insurance policies offered by various insurance companies, each designed to cover different risks and damages.
Comprehensive Home Insurance policies offer the most extensive coverage, protecting your home from nearly all risks, except for those specifically excluded. This type of policy is often referred to as an all-perils or special policy.
Standard home insurance policies provide more limited coverage compared to comprehensive options. They only protect your home against risks that are clearly stated in the policy, which is why they are sometimes called named perils or basic policies.
Broad home insurance policies offer coverage that falls between standard and comprehensive options. These are often known as broad-form or general policies.
What coverage options can I opt in for?
The home policy protects your Ontario home and attached structures, like garages, from hazards such as fire, typically matching the rebuilding cost.
Detached Structures coverage extends to privately-owned buildings on your property, like tool sheds and pool houses.
Personal Belongings includes coverage for items like clothing, appliances, furniture, and electronics, with additional options for valuable items like jewelry and artwork.
Additional Living Expenses includes financial support to cover costs incurred while temporarily living away from home due to a covered incident.
Liability Insurance protects you financially if you’re responsible for injuries or property damage to others on your property. It’s advisable to have at least $1 million in coverage, with options up to $5 million.
Contents Insurance protects your belongings within the home from damage or loss. It covers essential items like furniture, appliances, and personal items.
Are there additional options available for home insurance?
Yes!
Home-Based Business Insurance specifically designed to cover a home-based business. In Ontario, standard policies often exclude business activities, risking coverage cancellation. Small businesses can add a home-based business insurance endorsement for specific risks, protecting office equipment, liability claims, and providing income replacement during interruptions.
Overland Water Home Insurance Coverage protects against flooding from rising rivers and streams, which can damage your home, especially during heavy rain or snowmelt. It covers water seepage through cracks, windows, and doors.
Sewer Backup Insurance provides coverage for when wastewater flows back into your home, often excluded from standard policies. It’s advisable to add sewer backup coverage, typically at an extra cost, through your Ontario home insurance broker.
Earthquake Insurance is an essential for areas like Ottawa. Consult with a broker for more information to confirm applicability to your residential area.