Home Toolkit Essentials


Small repairs and do-it-yourself projects will always pop up around the home. That's why it's worth having some good quality tools in advance so you're prepared for them.

Spending the extra money on quality tools can help ensure reliability; and you may spend less money long term since you won't be replacing them often. Also, be on the lookout for tools with a good warranty, and hang onto to your receipt and warranty info. Remember the old saying 'buy quality or buy twice'? If you can't afford new high-quality tools, check garage and yard sales. Old tools don't mean bad tools, they might just need a good cleaning!

The following items make up a good basic home toolkit that will see you through most situations easily:


If you can only purchase one hammer, make sure it's a claw hammer. It's likely you'll need to remove nails as well as hammer them in. Choose a 16oz hammer for easy control with a flat head and steel or fibreglass shaft. A straight, not curved, claw will prove more useful if you need to use it for demolition down the road.

Multi-bit Screwdriver

Since screws are better for holding things together, and the can be easier to remove than nails, you'll find yourself using a screwdriver in many situations. Multi-bit screwdrivers – where a number of interchangeable heads are stored in the handle – will see you through most situations and take the guesswork out of which and how many screwdrivers to buy.

Also consider buying a multi-size Allen key tool. You never know when you're going to have to put together some flat-pack furniture or fix a bike!

Tape Measure

A locking 3/4 inch tape measure will stay in place when extended; the ½ inch models won't. Buy a tape measure with both imperial and metric measures so you won't waste time in conversions.


If you're going to do any electrical work, pliers are a must. Look for a pair with a wire-cutting blade near the hinge. Also, look for pliers that have handles coated with plastic or rubber. They provide a better grip, and some can even help protect you from electrical shocks (double-check the manufacturer's documentation with regard to shock protection).

Adjustable Wrench

Pliers often don't provide the strength to turn a nut, and you may wind up stripping the edges of the nut if you try. Adjustable wrenches have a screw built into them that allows you to adjust the size of the opening, eliminating the need for several wrenches of differing sizes. Wrenches are an essential tool in plumbing repairs.


Not just a must for a power outage, but necessary when you're making repairs in small, dark spaces like under the sink. A rechargeable flashlight will eliminate the need to keep extra batteries on hand (and let's face it, many people forget to buy batteries until it's too late).

Lubricant Spray

There are a thousand-and-one uses for lubricant spray: from fixing creaky hinges and loosening stuck screws and nuts, to rust prevention and cleaning glue and gunk off surfaces (really!).

Utility Knife

A good quality metal utility knife with replaceable blades is sturdier than a plastic box cutter and can be easier and more precise to work with than an opened pair of scissors.

When doing repairs, research well, and enlist the help of a professional for situations that call for their type of expertise. And don't let all that hard work go to waste. A good home insurance plan is a must in your home toolkit. PC home insurance can help you find a plan that meets your needs. Get your free, no-obligation home insurance quote right now.

How to make a claim

Call 1-877-251-8656 to speak with a Claims Advisor.

Renewing your policy

Call 1-877-251-8652 for information regarding policy renewal.

Buying a new policy

Call 1-866-660-9035 for information on obtaining a quote.

Need help?

Take a look at the top 5 FAQs:

  • Why should I have home insurance?

    Why should I have home insurance?

    While the government doesn't require you to purchase home insurance, your mortgage-holder probably will - at least enough to cover its share of ownership. There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should research your options carefully. You can also buy specialized insurance to cover a condominium, home business, or other kind of property or valuables found in your home.

    Home insurance also includes liability coverage for people who are hurt on your property.

  • Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Most people would be surprised at the value of their personal property if they were to add it up and have to replace it all immediately. Think about your furniture, clothing, electronic equipment-then try to put a price tag to it all. Also, if you've purchased items on credit and they are stolen or destroyed by fire, you could still have to make the payments.

    Tenants insurance also includes liability insurance for damage the tenants or their guests cause to the building, for injuries in the rented home, etc.

  • How can I earn PC Optimum points?

    How can I earn PC Optimum points?

    When you use your President's Choice Financial® MasterCard® to pay your PC home insurance premium, you'll get 20 PC Optimum points per dollar of your premium. If you use your President's Choice Financial bank card to pay your PC home insurance premium, you'll get 10 PC Optimum points per dollar of your premium.

  • What is a deductible?

    What is a deductible?

    A deductible is your share of the amount that needs to be paid to cover the repair or replacement of your covered property before your insurance pays the rest.

  • How are premiums calculated?

    How are premiums calculated?

    The building itself has a lot to do with how your home insurance premiums are set. Many things about your home are taken into consideration including:

    • Its age and size
    • Type of building (detached, semi, high rise, etc)
    • Type of construction (brick, stucco, wood, etc)
    • Type of heating system
    • How close it is to a fire hydrant or fire station
    • Where it is located

See all Home Insurance FAQs


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