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Homeowners

Your Home. It’s much more than a roof over your head. It’s a source of comfort and security for you and your family, and you want to make sure it stays that way.  A lot of people buy home insurance because their lender requires it as a condition of the mortgage. It’s important because chances are your home is likely one of your largest investments. But what is it that you’re actually buying? At StoneRidge Insurance Brokers, we take the time to explain how your homeowner insurance policy works – what’s covered and what’s not, and how best to protect you and your home.

When determining the proper coverage for you, there are a number of things that you need to consider such as:

What if my home is broken into, and my valuable jewellery is stolen? Do I have the proper limits in place to make sure it is all compensated for?  What if I just “lost” my heirloom ring? Is that covered for the amount to replace it?

 What if my house is destroyed by fire or a natural disaster? Do I have enough insurance to pay for the cost to rebuild my house and replace my belongings?

What if one my children’s friends is injured in our swimming pool?  What amount of liability insurance is adequate?

At StoneRidge Insurance, we can offer a wide range of homeowner’s products to suit your particular situation, and we take the time to talk to you about them.  This includes:

 High Value Home and Possessions Products – Using highly customized insurance programs, we can help to make sure that your valuable possessions are appropriately insured in the event of damage or loss. These programs are designed to take into account the replacement value of your unique items, and give you peace of mind.

Cottages/Seasonal Properties – Many of these properties are not properly insured and most owners are not even aware of it. There are many common exclusions in a lot of seasonal policies, and it’s important that we discuss your needs, and avoid costly “surprises”.  Give us a call and we can help you determine the best solutions for your treasured “home away from home.”