Find a great rate all under one roof
If you own a home, it’s a significant financial asset that likely makes up a huge portion of your net worth. Whether you live in the suburbs, in a small town, or in the heart of downtown, there’s no denying that you need a home insurance policy with the coverage that you need.
That’s where we come in. Our team sources quotes from up to 8 insurance providers* for the best rates and coverage we can get to suit your needs.
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Note: Discount options, eligibility criteria and availability vary by province and insurer.
What’s included with a Basic Home Coverage?
Here are some simple definitions to help you better understand insurance coverage
Covers your home, including its roof, foundation, flooring, windows, doors, and more.
While the perils covered depend on the type of coverage you choose, home insurance typically covers theft, fire, vandalism, some water damage, lightning, wind, vehicle impact, explosions, falling objects, and smoke.
Most home insurance policies, will cover your personal belongings, such as appliances, clothing, furniture and electronics. However, there are limits on the amount and the type of items that are covered. For example, computers, jewelry, cash, bicycles, fine art, musical instruments, and coin, stamp or card collections may require additional coverage.
Personal liability coverage may sound complicated but it really isn’t. Think of your kids playing ball on the street and they somehow manage to throw the ball right through your neighbour’s window. Well, personal liability covers you for exactly that.
Personal liability coverage can pay for damages to injured persons or damaged property. There is usually a limit to your liability coverage. Check your policy for your limit.
If your home is not liveable due to a disaster such as fire, most policies pay for your alternative living expenses such as a hotel.
Home Optional Coverages
Note: Optional coverage options, eligibility, and availability vary by province and insurer.
Earn 2X the regular PC Optimum points when you pay your PC auto insurance premium with your PC Financial Mastercard® redeemable towards free groceries, beauty, and more**.
Bundle up and save
Bundle your home & auto insurance to save up to 20% off both premiums.
Make a claim in 3 easy steps
Have your details ready
Have your policy details ready. Before putting you in touch with your insurance
company, our insurance brokers will ask some quick questions, like:
Date and details of loss; and police report number (if applicable)
If anyone injured in the incident
If another party was involved
If the accident caused any property damage
Servicing your claim
From start to finish, insurer’s claims professional will keep you up to date on your claim and provide you with information about:
Details on damage
Home repair status
Ready for a quote?
*Number of insurers varies by type of insurance and by province.
**Minimum redemption is 10,000 PC Optimum (worth $10 in free rewards) and in increments of 10,000 PC Optimum points thereafter, at participating stores where President's Choice products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
1 Availability, coverage details and conditions vary by provider.
PC® home and auto insurance are arranged for by PC® Financial Insurance Broker Inc. and are underwritten by a number of selected Canadian insurers. PC home and auto insurance products are available only in Alberta, Ontario, Newfoundland, New Brunswick, Nova Scotia, and Prince Edward Island. ®/™ Trademarks used under licence.