9 Home Security Tips
Wondering how to secure your home and prevent home break ins? Get tips on protecting your home from theft with simple security steps from Travelers Canada.
Home Insurance
Home is more than just a building you live in. It's your safe haven - where you create memories that last a lifetime. Whether you're buying insurance for your first home or a landlord needing to protect your investment, Travelers Canada can help you stay protected with home insurance that fits your priorities and your budget. With 24/7 home insurance claims service, we’re here when you need us.
*Personal insurance policies are underwritten by The Dominion of Canada General Insurance Company, part of Travelers Canada. We do not currently offer personal insurance in Québec, Manitoba or Saskatchewan.
What’s Covered Under Your Homeowners Insurance?
Whether it’s a house in the suburbs, a condominium downtown, or a seasonal cottage, no matter what type of home you own or rent - we have an insurance solution made for you. From your dwelling to your valuables inside, home insurance protects the things that matter to you.
Your Home, Your Household, Your Insurance
What is insured in a Homeowners policy?
Dwelling
Insures the building and structures attached to the building. This portion of your homeowners coverage helps you rebuild or repair the structure in the event of an insured cause of loss.
Other Structures
Insures other buildings or structures that are detached from the main building on the premises. Your home insurance covers damage to structures like garages, storage sheds and boathouses on your property.
Personal Property
Insures personal items in your home such as your furniture, clothes, sporting goods and electronics that may be damaged or destroyed by a covered cause of loss. Special limitations may apply to certain types of items or contents of a home.
Additional Living Expenses
Covers expenses incurred when you are forced to leave your home due to an insured loss or if you are ordered to leave by a civil authority due to an emergency. Your home insurance coverage pays for reasonable living expenses during the time you are out of your home, including loss of rental income where applicable. This coverage is subject to terms and limits within your home insurance policy.
Liability
Liability coverage under your homeowners insurance protects you when others sue you. It helps provide a defence if you or a member of your household is accused of a negligent act that causes bodily injury or property damage to others.
Your Condominium
If you live in a condominium, your building and your individual unit can have separate needs. Even if the condominium association has an insurance policy, you still need condominium unit insurance to protect your personal property, personal liability and any special assessments from your condominium corporation.
Landlord Insurance
Designed to protect rental properties, including apartments, condominiums, and single or multi-family homes that you rent to others. Coverage for your rental investment, other structures, property used to furnish or service the rental property and loss of rental income are available. The policy also includes liability for losses that occur on the rental property.
Tenants Insurance
While your landlord’s insurance covers the physical dwelling, it is up to you to protect your personal property, such as your clothing, electronics and furniture that may be inside your home.
Home Insurance Deductibles and Policy Limits
An insurance deductible is the amount of a covered loss that is your responsibility. A policy limit is the maximum amount your insurance company will pay for a covered loss.
Customers may choose a higher deductible in favour of a lower premium for their home insurance. But if the unexpected happens, you need to make sure the amount you choose as a deductible is one you can afford to pay out of pocket.
Talk to your home insurance broker to help balance your individual needs.
Optional Coverage To Add On To Your Home Insurance Policy
Optional extensions allow you to tailor your insurance coverage to your own personal needs:
- Sewer back-up and surface water coverage
- Earthquake coverage (territorial limits apply)
- Home business coverage
- Flood, Ground Water and Buried Utility Lines Coverage
Looking for more from your home insurance policy?
- Scheduled personal property (these items include jewellery, watches, furs, stamps, coins and more)
- Personal umbrella liability coverage
Looking to insure your boat?
Please visit our personal insurance page to explore more coverage options including boat insurance.
There are other optional coverages which may be right for you. Contact your broker for more information on additional coverage for increased protection.
How can you save money on homeowners insurance?
Dual policy coverage: Insure your home and car with Travelers Canada.
Multiple Properties: You insure more than one property with Travelers Canada.
Alarm System: You have installed an approved alarm system for your home.
Claims Free: You have not had a home insurance claim.
Newer Home: Your home is less than 20 years old.
Travelers Essential™ home coverage for residents in Ontario: Provides a monthly policy with a package of popular coverages. Includes $2 million liability protection and protection for sewer backup and mass evacuation.
Travelers Essential™ condominium coverage for residents in Ontario: Provides a monthly policy package of popular coverages. Includes loss assessment protection up to three times the policy limit for your share of the assessment where a direct loss to common areas and improvements and betterments added to your unit are covered up to your policy limit.
Still have questions?
Check out our Home Insurance FAQs
Your dwelling coverage is the estimated cost to rebuild your house in the event of a loss. This number can be different from the market value of your home. Your broker can help you determine an appropriate level of coverage for your insurance needs.
High-value items, such as jewellery, collectibles and fine arts, may be best protected under an additional policy. Your homeowner policy has limitations on coverage for some types of personal property items. Check those limits under your policy to determine if you have items that need additional protection here.
Your homeowners premium is based on the estimated cost to rebuild your home and the type of coverages you have chosen to insure. It's also affected by your deductible. A higher deductible can mean a lower premium. Additional extensions and applicable discounts also affect your premium.
You have flexibility with how you pay your insurance premium. You can make an annual payment, 3 payments or 12 monthly payments. We accept payments through online banking, cheque or credit card (conditions apply). Learn more about our payment options here.
Yes. Major renovations, such as a new kitchen, new bathrooms or an addition, may require changes to your homeowner coverage to ensure you're adequately protected. Talk to your broker before beginning a project to find out the best option.
Electronics are covered under the personal property coverage in your homeowner’s policy and are subject to policy limits.
Resources For Homeowners: Prepare & Prevent
How to Prevent Water Damage
Knowing the causes of home water damage and signs of a problem can help prevent long-term problems. Learn how to prevent water damage with Travelers Canada.
8 Tips For First Time Home Buyers
Before you buy your first home, make sure you've done your homework. Get first-time home buyer tips with this checklist from Travelers Canada.
*Personal insurance policies are underwritten by The Dominion of Canada General Insurance Company, part of Travelers Canada. We do not currently offer personal insurance in Québec, Manitoba or Saskatchewan.
Find a Broker
Need a Broker?
Get the personal service and attention a broker provides. To learn more about insurance options in your area, find a Travelers Canada broker near you.
Find a local broker in your area: