Whitby Home InsuranceDo you have a home but not insurance? In the event of a disaster, you could be left footing a hefty bill just to move back into your home. Lucky for you, Leibel Insurance Group offers great Whitby home insurance!
- Rest Easy Knowing Your Insurance Broker Helped You Find the Right Policy with the Best Coverage
- Protect Your Biggest Investment from Unexpected Large Losses or Claims
- Coverage Against Unanticipated Liability Claims and Defence Costs
What Does Whitby Home Insurance Cover?
Home insurance is as unique to each policyholder as their house is. No two policies will be the same and the price and coverage limits will be different. Choosing the best coverage for you is essential to complete protection and peace of mind.
Most often, people select a comprehensive insurance policy that includes these home insurance basics:
When you own a property, you are responsible for maintaining the safety of visitors. If someone were to get injured while on your property, you could be faced with a lawsuit as a result. This coverage protects you from being financially responsible for those injuries or property damage when on your property.
While no one expects their house to catch on fire, the possibility remains. That’s exactly why you have insurance. Insurance protection standardly covers costs to repair fire and criminal damage on your property and replace destroyed belongings. Property insurance covers other risks as well and certain risks can easily be added to existing policies. Ask us about adding protection from other risks like flooding, tree damage, and ice!
This coverage covers all your personal belongings within the home if they are damaged or stolen, from furniture, electronics, clothing, toiletries, pots & pans…etc.
Additional Living Expenses
If you cannot live in your home due to events like fires and floods, your policy can help cover additional living expenses such as hotel or transportation costs.
Factors that Impact Your Whitby Home Insurance
When it comes to determining what kind of coverage you need for your home, an insurance provider will take into consideration a number of different variables. Based on these variables, what kind of home insurance and the cost of your insurance will be determined.
1. Home size
The height and size of your home will impact the price that you pay for insurance and the coverage that you will need. For example, if you live on a farm just outside of Whitby, with lots of property, you may want to look into more liability insurance!
2. Home value
How much your home is worth will impact the cost of your insurance. Naturally, a home with a higher value will cost more to insure. This is because your claim will likely be more than others.
3. How often you stay in your home
If you only live in your Whitby home for part of the year, leaving it vacant for the rest, your costs will be different than individuals who stay all year long.
Want to talk more about home insurance? Need to get started on creating your perfect insurance policy? Our team has over 40 years of experience with stellar testimonials from past and current customers, to go along with our numerous awards.
Call (866) 484-8880 and speak with a knowledgeable broker at Leibel Insurance Group today!