Getting the Right Protection for Your Biggest Investment
Buying a home is one of the biggest financial decisions most Canadians make. The next step is protecting that property with the right insurance. With Insurely, getting home owners insurance is now quicker, simpler, and easier to manage. The platform gives Canadians access to clear policy options, fast quotes, and flexible coverage—all online, without having to call around or wait for follow-ups.
What Home Insurance Really Covers
Most homeowners expect fire and theft protection—but coverage goes far beyond that. A standard home insurance policy typically includes liability coverage, protection for personal property, and additional living expenses if the house becomes unlivable due to a covered claim.
Home insurance also covers personal liability, which protects the homeowner if someone gets hurt on the property or if damage occurs to someone else’s belongings. For example, a visitor slipping on icy stairs or a fallen tree damaging a neighbour’s garage.
Policies vary based on region and risk factors, but Insurely breaks down those differences clearly during the quote. Whether it’s a townhouse in British Columbia or a bungalow with a detached garage, policy details are matched to the property.
Personal Belongings Matter Too
Furniture, electronics, appliances, clothing, and even prized items like fine art or collectibles are covered under most home insurance policies. This is known as contents or personal property coverage.
Insurely gives homeowners the ability to review, adjust, and add extra coverage for high-value belongings. Users may also review exclusions and see the exact limits on payout amounts if something is damaged or stolen.
Coverage Built for Real Homes
Home insurance policies aren’t all the same. Some people rent out part of their property. Others work from home. Some homes are newer with upgraded heating systems and electrical. Others have aging plumbing or basements prone to water damage.
Insurely’s quote engine allows for all of those differences. Users input their home type, claims history, and current needs. The system responds with coverage options—whether they need protection for overland water, sewer backup, or detached structures like sheds or garages.
The Real Cost of Coverage
Home insurance premiums depend on several factors, including the property’s age, location, past claims, and coverage limits. Deductible size, credit score, and preventive measures like alarm systems also play a role.
Insurely helps users balance those variables in real time. The system shows how adjusting one part of a policy affects the total premium. First-time homebuyers and long-time owners both benefit from the ability to compare, tweak, and decide with clarity.
Add What You Need, Leave Out What You Don’t
Home owners may purchase additional coverage for things that aren’t automatically included in a standard policy. For example, some people add extra protection for home-based businesses or seasonal rental income. Others include legal expense coverage or specific add-ons for accidental damage.
Policyholders may also combine home and auto insurance to simplify billing and qualify for extra savings. Car insurance online quotes are available through Insurely, making bundling fast and easy to set up.
Fast Claims, Real Support
One of the biggest concerns with home insurance is the claims process. Insurely offers support from licensed representatives who guide homeowners through each step. Whether it’s a burst pipe, ground water damage, or property loss due to theft, claims are submitted digitally with assistance available by phone or live chat.
The claims team also helps clarify payout amounts, timelines, and policy coverage—removing stress from what is often a high-pressure moment.
Built for Modern Homeowners
Insurance isn’t one-size-fits-all. A family with a detached garage and growing children needs different coverage from a retired couple in a small condo. Insurely lets people find the right coverage for their lifestyle and property type, without extra steps.
Everything—from quote to claim—is handled online. And if something goes wrong, support is still available from licensed agents. For homeowners who want clarity, speed, and smart coverage choices, the experience feels refreshingly modern.
The Takeaway
Protecting a home means understanding what’s covered and having the right plan in place. Home owners insurance through Insurely gives Canadians flexible coverage that matches their property, lifestyle, and budget. With fast quotes, simple tools, and human support, Insurely makes home protection easier than ever.
Frequently Asked Questions
Is tenant insurance different from home owners insurance?
Yes, tenant insurance covers personal belongings and liability for renters, while home owners insurance protects the property itself and the owner’s liability.
What’s typically included in home insurance coverage?
Home insurance coverage usually includes the structure, personal belongings, personal liability coverage, and additional living expenses.
Is home insurance mandatory when getting a mortgage?
Yes, most lenders require active home insurance before closing a mortgage agreement.
How do home insurance costs get calculated?
Home insurance costs are based on the home’s location, size, age, coverage options, deductible, and claims history.
What’s the difference between home insurance cover and property insurance?
Home insurance cover protects the structure and contents, while property insurance may refer to broader policies, including commercial properties.
Does condo insurance include personal liability?
Yes, condo insurance typically includes personal liability coverage for incidents inside the unit or involving guests.