Not all house insurance policies are created equal, nor are they priced the same. At Creighton & Company we take the time to understand your needs then tailor a complete insurance solution.

We offer a broad range of homeowner insurance products you can rely on. Whether you purchase one of our pre-packaged plans or our exclusively designed Signature insurance program, rest assured you'll be properly protected.

Some of the standard coverages in a homeowners policy include:

		Building coverage insures your primary residence and is usually set at 100% of the Replacement Cost amount. We recommend all risk coverage with guaranteed replacement cost. If you've recently made renovations to your home or it has been 3 years since a detailed replacement cost calculation was done on your home contact us today.
		Contents coverage is usually set at an amount around 70% of the building coverage. This coverage protects your personal belongings including furniture, appliances, clothing and electronic equipment. If you need it, a higher limit can be purchased. We recommend all risk coverage with replacement cost.
		Legal Liability coverage is usually set at $1,000,000 however higher limits are available.

Your house insurance policy excludes several important coverages or places limitations on others. In many instances, it's advisable to purchase additional coverage through available policy endorsements to ensure you have the coverage you require. These are the most commonly purchased optional coverages:

		Sewer Backup (Water Escape Extension Endorsement) - protects your home and belongings from sewer backup and other water damage. Note that damage from water seepage and flood is excluded under all policies and coverage cannot be purchased.
		Valuable Articles Endorsement - All policies contain small coverage limits for jewellery, furs, collectibles etc. To properly protect your valuable items, you must schedule them on your policy. This coverage option gives you all risk coverage based on the appraised value of each item.
		Earthquake - Provides coverage for damage to your home and your personal property resulting from an earthquake.
		Personal Computer Rider - Provides all risk coverage (including short circuit and electrical damage from lightening) for personal computers in your home.
		Multi-Family Unit - Provides coverage if you rent out one or more rooms or units in your home (if you do rent out part of your home you must purchase this coverage).
		Home-Based Business Endorsement - Provides limited coverage for business property and liability for a small business operated out of your home.

For more information about these coverages or to get a free, no obligation insurance review and quote simply complete our Quick-Quote form or call our office at 905-890-0090 or toll-free at 1-800-813-4450.