insuranceHow do you know how much home insurance you need?
Home Insurance

How do you know how much home insurance you need?

Nobody enjoys dealing with insurance. So when purchasing homeowner’s insurance, it’s tempting to cheat yourself by estimating low, particularly since prices have gone up in our region by 13% since 2016.

Luckily, home insurance premiums in the Quebec region are the lowest in the country at an average of $960. When calculating what you need, make sure you have enough coverage not only to rebuild your home but to replace all your belongings. 

Claims process on homeowner insurance

After a loss, the insured must take steps to mitigate the loss. Insurance policies require the policyholder to notify the insurer within a reasonable time. A claims adjuster is assigned to investigate the claim. Insured may need to provide various information such as ownership, receipt etc. Filing a claim will increase insurance rates, result in non-renewal or cancellation. Most insurer company will share the claim data in an industry database. 

Check your homeowner insurance policy for wording and talk to your insurance broker. Get homeowner insurance quotes online. 

Don't forget to Download home inventory list from Here to keep track of what content you have

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