Donovan Insurance Brokers - Property Insurance

Are you buying your first home?

Set up a free consultation with one of our knowledgeable brokers to better understand what coverages you will need for your home. We have a number of personal insurance products to protect other areas of your life. Because of the tailored nature of these products, please contact us to get an estimate.

HOME INSURANCE

SEASONAL PROPERY INSURANCE

CONDOMINIUM UNIT OWNERS

RENTED DWELLING

TENANT INSURANCE PACKAGE

HOME INSURANCE

Home insurance is based on the rebuilding cost of your home. A package policy may include built-in additional features such as:

All Risk coverage on your house
Coverage for detached structures or outbuildings i.e. garage, shed
The full cost of repair or replacement without deductions for depreciation
Coverage for any additional living expenses incurred by you after an insured loss
Personal liability coverage
Voluntary payments for damage or injury caused by you or a family member

Many packages are available, talk to one of our brokers to find out more.

CONDOMINIUM UNIT OWNERS INSURANCE PACKAGE

This policy is designed for individuals who own a unit in a multiple unit complex. The Policy:

Covers your personal contents on a replacement cost basis
Covers any improvements that have been made to your unit
Responds when the condominium corporation policy is inadequate and each unit owner is assessed to cover damages
Personal Liability coverage

Coverage for any additional living expenses incurred by you after an insured loss.

TENANT INSURANCE PACKAGE

Your landlord's insurance policy does not cover your personal property after disaster strikes. This policy is designed for those who rent. It includes:

Coverage for improvements you have made to your unit
Coverage for any additional living expenses incurred by you after an insured loss
Personal liability coverage
The full cost of repair or replacement without deduction for depreciation

Please note that university aged children who are renting accommodations or parent's in a long term care facility are covered. Please contact your Donovan Customer Service Broker to confirm.

middle age couple sitting together on a bench

SEASONAL PROPERTY INSURANCE PACKAGES

You may have a second property that you retreat to on the weekends and for seasonal vacations. This location requires its own coverage for the building and the contents, if the contents remain at the cottage. As these properties are usually not in urban areas, they can be more susceptible to vandalism and break-ins. Be sure that you are adequately covered for such losses at your cottage or trailer including liability coverage.

Seasonal dwelling
Modular home
Vacation trailer
Seasonal trailer
Seasonal condominium

Many policy options are available. Does one suit your needs? Call one of our brokers.

young couple being handed keys to a home

RENTED DWELLING

Your homeowner's or tenant's policy covers only the location listed on the policy. If you own another property that you rent to others, it requires its own coverage. Remember, you probably purchased the property and rent it out as an investment. You collect rent to make a profit. If the building is not properly insured, you could lose it all.

The rented dwelling policy provides coverage for::

Building and detached structures
Landlord's contents
Legal liability
Lost rent after a claim
Loss of rental income