Habitational Insurance
Habitational Insurance
Comprehensive Coverage for Every Type of Residential Property
Habitational insurance is designed to protect residential buildings from financial loss due to risks like fire, theft, vandalism, and liability claims. Whether you own your home, rent it out, manage student accommodations, or have a vacant property, we have tailored solutions to fit your needs.
Primary Dwelling Insurance
Your home is more than just a building—it’s where memories are made. Primary Dwelling Insurance protects your main residence against unforeseen events, ensuring your home and belongings are safe.
Coverage Includes:
- Fire, theft, and storm damage
- Liability protection for accidents on your property
- Additional living expenses if your home becomes uninhabitable
- Optional coverage for valuable personal property
Ideal For:
Homeowners living in their own property year-round.
Rented Dwelling Insurance
If you rent out a house or residential unit, you need coverage that protects both the property and your rental income.
Coverage Includes:
- Damage to the building caused by covered perils
- Landlord liability coverage
- Loss of rental income due to covered damages
- Optional coverage for furnishings in furnished rentals
Ideal For:
Landlords and property owners with single or multiple rental units.
Student Rentals Insurance
Student housing comes with unique risks due to frequent tenant turnover and shared accommodations. Student Rentals Insurance keeps your property protected while meeting university housing requirements.
Coverage Includes:
- Building and liability protection
- Loss of rental income if the property is uninhabitable
- Optional vandalism coverage
- Protection for common areas and facilities
Ideal For:
Property owners renting to students during academic terms.
Vacant Dwelling Insurance
An unoccupied home is more vulnerable to damage and vandalism. Vacant Dwelling Insurance ensures your property remains protected until it’s occupied again.
Coverage Includes:
- Protection against fire, theft, and vandalism
- Liability coverage for accidents on the property
- Flexible policy terms for short- or long-term vacancy
- Optional coverage for seasonal or under-renovation homes
Ideal For:
Homeowners with properties for sale, under renovation, or between tenants.
Why Choose Us for Habitational Insurance?
Tailored policies for every property type
Access to top Canadian insurers for competitive rates
Flexible coverage and payment options
