Your House Insurance Questions and Answers

grow house 
Do you insure homes that are selling as "grow houses"?

Insuring a Former Grow Op
Hi Christine
www.canada-insurance-source.com is not an insurance ...

Home Insurance Cancelled without Notice 
Hi,

I recently had a flood on my property, the insurance company was called and they sent an emergency restoration team out to suck the water out and ...

Trailer coverage 
I have a trailer parked at a campground. It was damaged by wind. Does my homeowners insurance cover it?

Coverage for a Trailer
Most likely the camping ...

Flooring damage claim 
Our hardwood flooring was recently damaged by a company installing a drinking water system. They flooded part of the house and damaged some of the hardwood ...

Mandatory service contract? 
Hello, I have purchased my first home, and my insurance broker told me that since the gas furnace I have is quite old that they require me to purchase ...

House checked while away and Insurance 
in the winter how often must you have your house checked when you are absent

House Insurance and Vacations
Hi Joe
This varies by policy. But most ...

Running a business from home 
I am interested in running massage therapy from my home. It would only be myself and perhaps in the future, one other therapist working from here. Do you ...

Replacement cost on personal property; house fire total 
My house was destroyed in a fire.

Have guaranteed replacement on house, the $276000 (rebuilding value) became $500000.

I have full replacement ...

Gas fireplace as primary heat source  Not rated yet
We use our gas fireplace in our 830 sq. ft. home. We have baseboard heaters in all 6 rooms but only use the one in the bathroom all winter. We will use ...

Dwelling vs. Contents Coverage  Not rated yet
Is a sub-floor, walls/drywall, insulation covered under the term dwelling or is it part of the homes 'contents'.

Sub floor, Walls, Insulation, etc ...

Home insurance cancelled  Not rated yet
i live on Vancouver Island BC, my insurance was cancelled because of late payments, can i still get coverage?
Home Insurance in Vancouver Island
You ...

Requested improvements  Not rated yet
Can my insurer request improvements after an inspection? Do I have to make them? What if they are vague and unrealistic?

We have been insured for our ...

Previous claims  Not rated yet
house insurance coverage not available due to previous claims

Ontario Home Insurance and Claims
Hi Carolyn

If you have lots of claims it will ...

House Fire  Not rated yet
How long are you high risk after a house fire?

Fire Claim and Home Insurance
Hi there,
Claims affect your insurance for three years with most insurers....

Insurance and Wood heat  Not rated yet
Can I rent a house out that is heated by wood stove?

Insurance and Wood Heat
If wood heat is the primary source of heat it could be hard to find ...

wind damage to my roof  Not rated yet
We had wind damage to our shingled roof on one side of our roof.. The appraiser said he would cover half of the cost of that side of the roof, then said ...

I cut a tree down and it fell on my garage  Not rated yet
Will my insurance cover me if I cut a dead tree down and it fell on my garage?


Insurance And Tree Falling
It depends on your policy wording. But ...

Insurance Company wants picture of my roof  Not rated yet
Hi,

My house insurance broker sent someone out to my home to take pictures of my roof from the front and back of the house.

I has a certified roofer ...

does home insurance cost more if you own an acreage?  Not rated yet
does home insurance cost more if you own an acreage?

Size of Lot and Insurance

No.

Please be sure to discuss this with a licensed insurance ...

uninsured in HAMILTON  Not rated yet
My homeowners insurance was recently cancelled and I need a new insurer. I am having trouble finding one. Any suggestions?

Canceled Home Insurance ...

Condo insurance cancelled  Not rated yet
I have an auto insurance policy in good standing with payment withdrawn monthly from my bank. I had condo insurance but the payments were billed to visa....

Hi- snow birder in florida  Not rated yet
since I'm gonna travel to Florida for work I might as well stay for the winter . How is this treated as several retirees do this too ? signed a TRAVELING ...

Changing Insurance Companies  Not rated yet
We recently decided to get another house contents insurance quote and went with the new insurance company that was local and much cheaper.

I told the ...

House insurance  Not rated yet
I had my house insurance canceled one year ago due to non-payment. A small glitch in my life that I have recovered. What companies in Canada will write ...

Coverage for Accomodations when forced to evacuate  Not rated yet
Does a home insurance policy cover accomodation costs when you are forced to evacuate from your home due to wildfires?

Evacuation Coverage
Some do,...

bad water  Not rated yet
would most policies cover me if it was found that are water was contaminated and could not drink the water, no water filtration system can fix it and have ...

Home insurance coverage for one month  Not rated yet
I just sold my home in Vancouver, BC. The turnover is Sept 16 and my home insurance expires on August 28. Where can i get insurance coverage for my home ...

Water Damage Insurance Coverage in question  Not rated yet
We have a home on the market, have been paying high premiums as a result of the "vacant" home.
There was a showing of the home on Thursday, Friday, my ...

vacation and house insurance  Not rated yet
how do you handle extended vacations, as in the case of snowbirds who leave there home for months at a time

Vacations and Empty Homes
Hi there,
Each ...

Time Line for Home Visit to do an "Inspection"?  Not rated yet
My insurance company is insisting on a home visit to do an inspection to make sure we have enough coverage. First time they've done this in 20 years. We ...

is my mortgage in a risk, ?  Not rated yet
IF I LOST MY HOME INSURANCE, IS MY MORTGAGE OF MY HOUSE IS IN A RISK/??.

No Home Insurance on Mortgaged House
Yes. It is likely a condition of your ...

partimer/travel nurse  Not rated yet
I must leave this depressed Area to find work and will be commuting back an forth.I will be a part time dweller can I still get house insurance when Im ...

double the rate  Not rated yet
can a new insurance company's double your rate for house insurance for cancellation because of late payment?

Double Rate After Non Payment


Ask ...

home owners insurance - vacant  Not rated yet
If I travel to Hawaii, and ask a neighbour to check my house; how often must he check?

Home Check While on Vacation
It depends on your policy wording ...

broken window  Not rated yet
One older window is broken. Cannot get that type of window anymore. It is on one side with another just like it beside it. I don't want a different window ...

Away on Vacation  Not rated yet
How often does your home have to be checked while away on winter vacation for 3 months

Home Insurance and Vacations
Hi Garrett
It depends on your ...

House Sold. Is it closing date be the date the cancellation becomes effective?  Not rated yet
Hi There,

My house was sold and the closing date is 1 month from now. Shall I notify the insurance now to cancel the insurance with effective day as ...

lapse in insurance  Not rated yet
Our home insurance lapsed for 4 days from the company we were with. While trying to get insurance from another company they said they would not insure ...

What governing body can I go to for help in dealing with issues surrounding my insurance for my home  Not rated yet
We have had insurance with the same company for years and had a number of properties ensured, however at our home our vehicles have been broken into and ...

Cancellation Fee  Not rated yet
I have bought a home with a closing date of June 23rd in PEI. On June 7th I got an insurance quote and agreed to the coverage and authorized the company ...

House check  Not rated yet
Do you need to have someone check you house if you are away on vacation?

Is is the requirements the same for all insurance companies?

Thanks
Donna
...

Regulations  Not rated yet
What are the regulations for an airtight wood stove in Ontario?

Wood Stoves
Hi Liesje

I can only reply to the insurance portion of your question ...

To cancel home insurance at closing  Not rated yet
My home is sold and will be closed 16 days after the policy will be renewed. For just 16 days would I have to pay for the entire year in order to get a ...

high risk homeowners insurance  Not rated yet
i have had a few claims in the past 3 yrs and im trying to find someone who will insure me can you help me

High Risk Insurer Due to Claims Frequency ...

Sump pump died  Not rated yet
Hi,
We recently had to move because my husband took a new job in a other province. We listed our house with a realtor from our town.
Because of the ...

Roof wind damage  Not rated yet
I suffered wind damage to my roof and have several shingles that are missing. Can you let me know how the insurance company will handle this claim?

Thank ...

Vacant home  Not rated yet
Which companies will insure a vacant second home in Ontario?

Vacant Second Home
Hi there, sorry for the delay in the answer. It seems the home insurance ...

House insurance assessed at high value and resulting high premiums  Not rated yet
My home has a market value of approx. $1.3M-$1.4M.
We paid 1.25M 4 yrs ago. The house is 35yrs old.
The 3 acre ravine lot property that its on (land)...

replacement cost  Not rated yet
I had a 3 year old computer stolen that cost $3000 then. How much will I get back from claim?

Stolen Computer
It depends on what a similar product ...

home insurance inspectors.   Not rated yet
What qualifications do they have?

Home Insurance Inspectors
It depends on the insurer.

Some companies have their agents do the inspections. They ...

Water Service Connection Insurance  Not rated yet
Hi,

I am interested to learn more about coverages for Water Service Connections (Water Supply Lines); I was wondering if it is a standard item of home ...

Wind Damage to Shingles  Not rated yet
During a recent wind storm, shingles covering an area of about 15 feet x 20 feet were blown off my roof. I contacted the company that makes the shingles ...

Home Insurance  Not rated yet
Are homeowners eligible for insurance after a fire has damaged parts of the home?

Home Insurance After a Fire
If the home has not been repaired, it ...

umbrella liability insurance  Not rated yet
i have purchased a condo in florida and need additional liability insurance. thanks, john D

Condo in Florida
Hi John
You can buy insurance here:...

parents home insurance cancelled  Not rated yet
My parents live in a bungalow built in 1959. The house had it wiring and electrical panel upgraded and minor repairs made to it throughout their stay but ...

Is insurance company paid back?  Not rated yet
My house had a fire that was deemed electrical in nature. Does my insurance company go after the electrician who wired my house or do they foot the bill?...

Basement Floor Drain  Not rated yet
The previous owners put in a basement washroom using the floor drain as the shower drain. The floor is graded towards that drain. A plumber told us we ...

Does the home insurance cover the home inspection fee?  Not rated yet
My home is rebuilt after a fire. Before I move in, I plan to hire a home inspector to check the rebuilt house for me. I wonder if the insurance company ...

Wood Heat  Not rated yet
Does it make a difference to my insurance rates if I have a wood cook stove (certified & approved installation) to do a portion of my home heat (in conjunction ...

No insurance  Not rated yet
We just closed on a house in Arizona, a week later we were robbed, when we called the insurance agent he told us that there was no insurance in place. The ...

Vacationing  Not rated yet
Is there a mandatory amount of times a house needs to be checked while on vacation? I've heard every 3rd day and I have also heard everyday.

Vacation ...

Wood Stoves  Not rated yet
Is it possible to get homeowners insurance when you have a detached garage with a wood stove in it?

Woodstove in Garage and Ontario Home Insurance ...

Refused Insurance  Not rated yet
My home insurance got canceled due to non payment, I was told by 2 brokers that no insurance company in Ontario would insure me, but I was told by another ...

Hot Tub leaked into Basement  Not rated yet
I own a hot tub which is located outside of my house. We drained the hot tub but because the ground was still frozen, the water ran directly into the ...

Wiring and Home Insurance in Ontario  Not rated yet
we are looking into buying an older home (1950's) which has older wiring and receptacles all show open ground when tested. Is this going to be a problem ...

Flood  Not rated yet
Will my rates go up after claiming a flooded basement?

Flooded Basement and Home Insurance Rates
Hi Adam
Sorry to hear about the flooded basement....

Length of time from damage to claim date  Not rated yet
How long do I have to put in a claim? My tub broke over Christmas and I am just calling my insurance company now (March). Am I out of luck?

Insurance ...

theft  Not rated yet
why do insurance companies not explain about the policies when we buy them and leave us in dark and what can we do about that when we are suffering from ...

i had a loss of a main bedroom for 25 days due to a fire can i get lose of use   Not rated yet
I had a fire in a main bedroom and could not use this area for 25 days while the adjuster was doing the paper work am I entitled to a loss use fee for ...

Can't get House Insurance  Not rated yet
I was a long time customer in good standing with Dominion for my house and car insurance and, with one broker, and last year that broker stopped dealing ...

Flooded basement  Not rated yet
if my basement floods because of a poor neighborhood grade (where the water flows downward into my backyard then into my basement), can I make my neighbor(...

Rented dwelling insurance  Not rated yet
I have recently bought a rental property through my company. the insurance quote i received was amazingly high. I am wondering if I can insure it personally ...

CONTENTS IN HOUSE FIRE..WHAT IS NOT COVERED?  Not rated yet
My boyfriend house was destroyed in a fire, I live there and still have a another home, so I had 2 dressers at his place full of my clothes, most of my ...

Home insurance   Not rated yet
If the amount for the coverage of Dwelling Building is more than the market price of the house, it is reasonable?

Ontario Home Insurance: Market Value ...

fire damage  Not rated yet
If my home is damaged due to a neighbours car catching fire must i file a claim under my house insurance

Fire Damage to Home
Hi John,
It is a good ...

Insurance claim  Not rated yet
Hi,

we moved into our new house Jan 22, 2010...
upon moving in there was a flood, previous owner had turned off heat?, anyway insurance came in we ...

Smoke/Odour damage  Not rated yet
I have been the victim of my neighbor's negligence. My neighbor left a candle going and went to bed, subsequently igniting his dining room table. He also ...

water coming out of ceiling  Not rated yet
I have water coming out of the cielling..what would be the first thing to do? the water is coming through the attic upstairs in the master bedroom but ...

hot tub  Not rated yet
heater quit hot tub froze power flicked circuit board damaged should this be covered under homeowners policy?

Hot Tub Freezing Causing Electrical Damage ...

Non-resident and House Insurance  Not rated yet
Hello,

I own a house in Ontario for rental purposes only. I am finding it very difficult to obtain house insurance because I am now a non-resident of ...

Statutory Conditions they cancelled my home insurance 15 days notice and no one is returning my call.  Not rated yet
I have had my home insurance for almost three years, first home, is in good shape. On Dec 21. 2010 I had a car accident that kept me down for 14 days, my ...

Is it illegal to have no house insurance?  Not rated yet
I currently own and house with my common law partner, he cancelled the house insurance, is it illegal not to have insurance on the house?

House ...

Oil Barrel Question  Not rated yet
The inspector came by and had a look around and said our oil barrel was a little rusty looking and should be replaced. My husband got a good deal on an ...

Collapse due to Ice & Snow  Not rated yet
Under a comprehensive Homeowners Plan. Is Collapse due to the weight of ice & snow covered?

Ice and Snow
In many cases yes. The key is if it is specifically ...

What to do when you are told you are under insured after a house fire?  Not rated yet
We had a house fire. It destroyed our front wrap around porch and front part of our home. We purchased house insurance 22 years ago (when we moved in)...

Renting our home  Not rated yet
We own a house in Saskatchewan but now live in Nova Scotia, we decided to rent out our home, our current insurer will only cover it until January 1st and ...

|nsurance cancellation  Not rated yet
I am a co-signer on a mortgage owned by a family member. They were to keep the place insured. The insurance was canceled. No one notified the bank or ...

House Abroad  Not rated yet
Hi there,

I am living in Canada but own a rented house in Ireland. Does anybody know of an insurance provider in Canada that will sell me a policy to ...

Vacant House Insurance  Not rated yet
How do I find someone to ensure my vacant property, it's proving to be difficult. It's on the market but hasn't sold yet.

Insurance on Vacant home ...

Is Home Insurance Mandatory?  Not rated yet
Is home insurance mandatory?

Ontario Home Insurance
If you want to get a mortgage, the lender will insist that you have insurance coverage in place....

Cancellation  Not rated yet
After a year,I decided not to renew my house insurance when it came up to be renewed. I just didn't go in and renew it. I was not told that I needed to ...

Mid term cancellation of my home insurance  Not rated yet
I have tried to find coverage for my home for 3 weeks since i was advised of my mid term cancellation ( for underwriting reasons ).

I've been with ...

Cancelled home insurance policy after 25 years  Not rated yet
I have just received a phone call from my insurance company to tell me that they have canceled my homeowners policy. Received the call November 3rd...policy ...

house insurance cancelled; two week notice  Not rated yet
Hello,

Can you please tell me if there is a minimum length of time an insurer must give an owner of a rental house before the policy [in good standing ...

Mortgages on Property  Not rated yet
Is there a rule that states that your home can't be insured if it has more than three mortgages?

Rules for Insurance and Multiple Mortgages
Hi there,...

Cash Repacement for Stolen Ring  Not rated yet
My son had a ring stolen from his house and doesn't want to replace it but would rather take the cash value for it. He was told that would be 50% of the ...

My home insurance policy gets terminated  Not rated yet
Greetings!
I bought and insured a house June 30, and one week later my neighbour, during the ongoing construction on his property, excavated and damaged ...

Cancelling a claim  Not rated yet
In a three year period I had damage to my house due to a roof leak in a rainstorm within three months of moving into this house (I had had a home inspection ...

Theft by a guest and insurance  Not rated yet
I've have been insured with the same company for years... Last year my dad's gf lost her apartment (dad lives with us). Her stuff was moved in about 2 ...

Fire. All work done falling apart  Not rated yet
Hi there,

I had an electrical house fire 3 years ago on one corner of my home. The work they did to replace it already falling apart because of shoddy ...

Types of insurance  Not rated yet
Hello,

I am a first time home buyer in London, ON. There are so many different types of insurance required... ie. title insurance, home owners insurance ...

Apperently we had no insurance  Not rated yet
This past weekend due to a large amount of rain, we had our basement flooded, we called our insurance broker and they said that about a year and half ago ...

Cancellation of house insurance - Water Questionnairre  Not rated yet
My insurance company cancelled my house insurance without notice saying it was because I did not submit a questionnaire on water damage. Is this legal?...

Concrete Foundation Collapse  Not rated yet
Hi, I have a general question about foundation collapse. I know that foundation leaks etc...are not covered by nearly all insurers, however what happens ...

Replacement cost on personal property; house fire total  Not rated yet
My house was destroyed in a fire.

Have guaranteed replacement on house, the $276000 (rebuilding value) became $500000.

I have full replacement ...

High Risk Home Insurance (Knob and Tube)   Not rated yet
Do you provide high risk insurance on homes with knob and tube wiring and galvanized pipes?

Regarding High Risk Home Insurance
You should be able ...

Insurance for park model trailer/modular home  Not rated yet
I am looking for insurance on a park model, modular home. The unit is new, 38 ft long, and we live in it all year round. The value is $130,000..do you ...

Galvanized Plumbing  Not rated yet
When it comes to galvanized plumbing, to what extent do you have to go to when replacing galvanized plumbing? I suspect that there may be some galvanized ...

Cancelled home insurance  Not rated yet
Our policy was due on the 26th of February, when we called to make the payment (as we were away on vacation) the brokers office was closed.

We called ...

Cancellation of Home Insurance Policy  Not rated yet
We bought an older home in 1998. In 2004 our foundation collapsed. It was eventually repaired and our insurance canceled in Sept. 2009. Found another broker ...

Claim Period  Not rated yet
We experienced a house fire in October 2008 at which time claim was initiated with insurer. We're being asked to bring claim to a close. How long are we ...

Home Insurance Company Inspection  Not rated yet
My insurance company has told me that they want to inspect my house. I said no and they said they will cancel my policy if I don't let them. Is this legal?...

Home Insurance Claims  Not rated yet
Last year someone broke into my car and I put a claim in on my house insurance policy. Now I have had shingles blow off my roof and I want to put a claim ...