Home & Property

Whether it’s your primary home, secondary home, seasonal property or even a rental or investment property, there are several insurance options available. Your J Hall insurance partner can explain the features and benefits of each of these policy options and help you decide which one is the best for you.

Comprehensive and broad form options

Available through most carriers
Comprehensive: Covers all risks unless specified as an exclusion in the policy. Common exclusions would include, but are not limited to, sewer or septic damage, overland water damage, normal wear, tear and deterioration, seepage or leakage from foundational cracks, faulty workmanship and, in some cases, rodent damage.
Broad form: Covers all risks on the building, or structure, includes named perils on personal property listed and insured in the policy.

Other coverages offered by some carriers include:

Guaranteed Replacement Cost (GRC)
Single limit (Also offered: combined limits for extra protection in the event of short fall during a claim)
Claims forgiveness / Protection
Disappearing deductibles

Optional or additional coverages to consider:

Personal property above the insured limits, for example, jewellery, bikes, etc.
Sewer or septic back up or overland water damage
Watercrafts/sea doo’s coverage
home based business

What factors will affect my cost of insurance?

There are many factors that are considered in determining the cost of insuring your property. Some of the most common considerations include:

Your postal code – some areas are more prone to problems like sewer back up and flooding
Your credit score – some insurance companies will use your credit score to offer better rates
Updates on the property – property improvements such as a new roof or upgraded heating, plumbing or electrical can affect your cost of insurance
Occupancy – an owner-occupied property will cost less to insure than a tenanted one

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