Home, Tenants & Condo Insurance

Providing Insurance for everything from Homes, Condos, Tenants Packages, Rental Dwellings, and much more.

Why Choose Us

Your home is your most valuable asset, a safe place where you feel most comfortable and relaxed.  When disaster hits, it can be extremely stressful; your entire life is turned upside down.  With over 100 years of experience serving Bowmanville and the surrounding areas, our brokers help you make the right choices, so you will have the right coverage when you need it.

What Does Home Insurance Include?

What Home Insurance Covers:

House:  Houses today are very expensive and are only getting more so. Losing your most important asset can devastate your finances, ruining years of hard work in minutes.  Home Insurance protects your house against most risks, so you have peace of mind in an emergency.  There are a few exclusions such as Flood, Sewer Backup, Earthquakes, Business use, and homes under construction/renovation, however, most of these exclusions can be brought back into your policy at your request.  

Detached Private Structures:  Outbuildings such as detached garages, and sheds are automatically included in your policy as long as they are not used for business and/or farming.  It is important to let us know if you have any detached private structures because the automatic limit may not be enough to rebuild or replace them.

Contents: Your contents are automatically covered under a homeowners policy.  There are a few limits such as on Jewelry, Collectibles, Money, Fine Arts, Paintings and more.  If you have something valuable please ask us how to best protect it!

Additional Living Expenses: If your home burns down to the ground, where will you live?  This is the part of the policy which provides you a place to live while your home is being repaired or rebuilt.  It could be a hotel, rented house, condo or even with a family member - there are many options to keep you comfortable until your house is ready for you.

Liability: If you accidentally burned down your friends house, would you have enough money in your bank account to repay them? For the vast majority the answer would be a resounding NO, which is why your liability is included as part of your policy.  Liability covers you and your family for your personal negligent actions.  We all make mistakes, and this coverage ensures you do not go bankrupt because of them.  Please ask us to further help you with this coverage, as it also has many other benefits.

What Does Tenants Insurance Include?

Tenants insurance is almost identical to the Home Insurance policy except there is no coverage for the house or apartment you live in.  Your landlord should have insurance in place to protect the building itself.  

Your policy will include:

Contents: From your clothes to cutlery, linens to TV's your insurance will cover all your possessions.  It is important to choose a high enough limit to be able to replace everything, as you want to have enough money after a loss.  There are a few limits such as on Jewelry, Collectibles, Money, Fine Arts, Paintings and more.  If you have something valuable please ask us how to best protect it!

Additional Living Expenses: If your home burns down to the ground, where will you live?  This is the part of the policy which provides you a place to live while your home is being repaired or rebuilt.  It could be a hotel, rented house, condo or even with a family member - there are many options to keep you comfortable until your house is ready for you.

Liability: If you accidentally burned down your friends house, would you have enough money in your bank account to repay them? For the vast majority the answer would be a resounding NO, which is why your liability is included as part of your policy.  Liability covers you and your family for your personal negligent actions.  We all make mistakes, and this coverage ensures you do not go bankrupt because of them.  Please ask us to further help you with this coverage, as it also has many other benefits.

What Does Condo Insurance Include?

Condo Insurance offers the same coverage as Tenants Insurance with two important changes:

 

1) Under your contents coverage it includes any improvements you have made to the unit.  You need to make sure this limit is high enough as every condo agreement is slightly different in what each unit owner is responsible for.

2) If the Condo suffers a complete loss the Condo Corporation can issue a "Loss Assessment" against you, which you will be responsible for paying.  Condo policies include automatic coverage for this, but you should always make sure your limit is high enough.  

Please call our office for a quote or to ask us questions regarding the coverage.  The explanations above are only a general overview and there are many options to fit your personal circumstances.

James Insurance Broker

26 King St East Bowmanville ON, L1C 1N2

Call

T: 905-623-4406

T: 1-800-836-7236

F: 905-623-5570

Business Hours

Monday: 9 am - 5 pm

Tuesday: 9 am - 5 pm

Wednesday: 9 am - 5 pm

Thursday: 9 am - 5 pm

Friday: 9 am - 4 pm

Saturday: Closed

Sunday: Closed

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