Home insurance quote

Why request a residential quote from Assur360?

Assu360 offers online quotes for home, property and condo insurance.

• home
• housing
• condo
• chalet

Our protection and excellent service are sure to satisfy you.

Quick and easy submission!

Our quote service is fast, simple and efficient, so you can speak to a home insurance broker by chat or phone at any time.

How is the cost of home insurance calculated?

When determining how much you have to pay, insurance companies assess the replacement value of your home and possessions, as well as the likelihood of you making a claim. For example, homeowners with no claims history, living in a newly-built home next to a fire station, would be considered low-risk, and cheaper premiums should reflect this.

Home insurance rates depend on many factors, and each company will assess your risk differently. The best way to save on insurance is to store around. Get several home insurance quotes in the time it takes to get just one.

Property insurance, optimum coverage for your home and contents

Such protection covers the home, its outbuildings and the possessions it contains. It is activated in claims fire, theft, vandalism and water damage.

Home insurance coverage

A home insurance contract includes the main guarantees relating to the property and its contents, as well as civil liability. However, it is always possible to include additional protection in your home insurance quote, to benefit from more comprehensive coverage that meets the needs of the insured. One of the most popular supplementary coverages is water damage above foundations. This protection is activated to cover damage caused by rain or snow infiltration, as well as sewer backup.

To protect your home, it's important to take out suitable insurance with adequate cover. But it's also a good idea to adopt a few precautionary measures to limit damage in the event of a claim, while making considerable savings on your premium. A portable fire extinguisher, to be placed next to the exit door, is very important. So are smoke alarms to prevent carbon monoxide poisoning. On the other hand, having a safe fryer helps prevent many fire-related dangers. These precautions and preventive measures ensure the safety of your home and its occupants, while significantly reducing your insurance premium.

In general, each year the amount of your home insurance will increase as follows inflationHowever, you can have your home professionally appraised.

Your low-cost home insurance quote

Our expert home insurance brokers will help you obtain an insurance quote for your homeWhether you're looking for a property, condo, cottage or home. When you do business with Assur360, you get to speak with the same broker every time you call.

How does home insurance work?

The owner pays an annual premium to the insurer (usually divided into 12 monthly installments), and the insurance company provides financial protection when the owner has to make a claim.

This protection is twofold. First, it covers the cost of repairing the home if damage is caused by an insured peril, and will help pay for repairs (or replacements) if the homeowner's possessions are damaged, lost or stolen. Secondly, it protects the homeowner from the costs associated with legal action should someone be physically injured on the property.

What is home insurance and who needs it?

Home insurance is an insurance product designed to protect your home, family and possessions.

If you have a mortgage, the lender will ask you to take out a home insurance policy to protect its investment. Even if you don't have a mortgage, thecondo insurance should be considered an essential purchase for the protection it offers.

Whether you currently own a home or condo, or rent a property and need renter's insurance, our comparative search service can help you save money and find the right coverage for your needs. Join the more than one million Canadians who have used our service to save money on their home insurance.

What are the advantages of combining home and auto insurance with another company?

Well, just as we compare Canada's elite insurers to find you the cheapest home insurance rate, we do the same with auto insurance. Your certified P&C insurance broker is then able to combine the best pair of quotes, even if it's two different companies providing the best quote in each category. Assur360's personal property and casualty insurance brokers are here for you.

What does a typical home insurance policy not cover?

Some financial aspects of homeownership are not covered by insurance, such as property taxes or mortgage payments, which are usually covered by a separate policy. But even certain natural disasters like earthquakes and floods aren't usually covered by your basic standard policy.

Talk to your Assur360.ca insurance provider for more details and advice. home protection get a home insurance quote from a broker today.