Your home is not only your greatest asset but also the place your family is meant to feel safe. As a family-owned business, P.D. Foster Insurance understands the importance of family and finding affordable coverage that protects both your assets and loved ones. We offer comprehensive Homeowners Insurance for our customers, providing peace of mind should the unthinkable happen.
Why You Need Homeowners Insurance
Although home insurance is not legally required in Canada if you own your home outright, homes with a mortgage do require Home Insurance. However, even if your home is paid for in full, a Home Insurance policy covers all your losses related to fires and other events such as break-ins.
Your family home provides shelter and stores the necessities and pleasures of life; our comprehensive Homeowners Insurance provides protection for the following, so you never are worse off following a tragedy:
- Your home
- Your belongings
- Additional structures such as sheds, pool houses, garages, etc.
- Living expenses if you need temporary lodgings while damages are repaired
Our team will work with you to find the proper coverage for your home and property to ensure you get back to life as you know it with as little impact as possible. As insurance brokers, we can search for the right coverage from different providers, so you have the most coverage with the lowest premiums.
What does Homeowners Insurance cover?
As mentioned above, your Homeowners Insurance policy covers not just your home’s structure, but also, your belonging. Events covered by Homeowners Insurance typically include the following damage:
- Lightning strike
You can also opt in for additional coverage such as:
- Sewer backup
- Food spoilage
- Additional personal articles outside of personal property coverage
- Home business
We customize your Homeowners Insurance to meet your unique needs based on your lifestyle, location and risks to maximize protection.
What is Homeowners Liability Insurance?
Homeowners Liability Insurance covers the costs related to injuries sustained on your property. It protects you in the case where someone decides to take legal action due to accidents suffered due to your negligence such as an unsalted driveway, or an unsafe stairway.
It also covers damage to property such as a tree branch from your yard falling on a neighbour’s roof or vehicle. This is a very important aspect of your Homeowners Insurance, as it protects your personal finances when you unintentionally damage another person’s property or cause them bodily harm at your home.
Accidents happen at the drop of a hat, and knowing you have coverage provides peace of mind. With Liability Insurance you won’t be held personally financially responsible should a settlement result in a liability lawsuit against you.
Why Choose P.D. Foster Insurance
At P.D. Foster Insurance we have been offering specialized home insurance services to our customers since 1949. As a family-owned brokerage, we are focused on customer service and finding cost-effective Homeowners Insurance policies that minimize premiums while maximizing your coverage. Our team focuses on Homeowner Insurance solutions with comprehensive policies customized to your specific needs.
For more information about homeowners insurance, speak to our team today.