Your House Insurance Questions and Answers

You can ask your House Insurance Questions and Answers on this page. In most cases you will get a quick answer that will give you a general understanding of the issue you are asking about. Home Insurance can be confusing and there are a lot of questions to ask. So don't be shy!

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We strive to share our knowledge and experience in the industry and give a balanced and fair opinion. So if you ask a question below we'll do our best to give you a helpful answer. We do this on the condition that you seek out proper legal and financial advice to suit your exact situation and for your location. By asking a question you agree to not rely on any of the information on this site. You must contact an insurance professional as this information is general and the facts that we do not know might very likely change our answer.

Make sure you review the please read page. And keep in mind that this site is based in Ontario, Canada and insurance can vary by province and country

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What Other Visitors Have Said

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60amp service knob and tube 
I have an older home that is being rented out. it has 60amp service and knob and tube wiring. Is there a high risk insurance co. that will insure the home? …

Where Can I Find Insurance For My Older Mobile Home? 
Hello I have a newly remodeled DoubleWide Mobile Home that is over 30 Years old. The oil furnace is made primary with the company that I have now. I don't …

Home insurance cancelled 
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 …

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 …

Wind Damage to Shingles 
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 …

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 …

Settlement cheque 
I live in Ottawa, Ontario and my house burnt to the ground. I want to know how long before my insurance company sends me a cheque? Also do i have to rebuild …

ontario mobile home insurance companies 
I would like to have a list of insurance companies that will insure a 35 yrs old mobile home in southwestern Ontario, Canada List of Insurers Hi …

Tree Damage due to Storm  Not rated yet
In the last 5-10 years we are seeing more & more trees knocked over due to lightning, heavy winds, etc. I live in Ontario. My question is do you need …

cancellation of policy after a claim Not rated yet
My house insurance policy had been cancelled after i made 1 claim. Is that a normal practice for Insurance company's to do so. I now have a hard time …

Refusal To Renew Homeowners Policy - Concrete/Asbestos Siding Not rated yet
Just got a call from my insurance company - they have decided not to renew my homeowners policy due to the siding on my home containing asbestos (the siding …

Hard to insure house because of two claims Not rated yet
I had two claims placed with my insurance company, now they don't want to insure me and I've been getting quotes for 2000 and up. The house is in my name, …

monopolies Not rated yet
After being with ------ insurance for over 3 years with no claims on the property ever ..including the previous insurer i was told if i don't give them …

Legal to rent home that does not have insurance? Not rated yet
Is it legal for a landlord to rent out a home that does not have insurance? Renting a Home With No Insurance Hi Lisa I believe it is legal. But …

Friends borrow your boat. Not rated yet
If My boat is on my homeowners policy, can my friend use the boat without me on board. If something happens is the boat still covered? Lending a Boat …

Underage Drinking and Party's Hosted by Parents Not rated yet
My son was killed while attending an underage drinking party. We went to court as they hid behind their insurance co. and did not succeed as their lawyer …

Life expectancy of a home Not rated yet
If you own an old farm house that has the original dirt foundation is there a clause in insurance that limits how many years you can insure the home? …

How long does a claim stay on my record? Not rated yet
Hi, I had 3 claims for sewer backup in the last 7 years. How long do they stay on my record? Thank you Claims on Record Hi Andy Normally claims …

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where? Not rated yet
how can i get affordable coverage when i have had a lapse in coverage? Lapse in Home Insurance Hi there, This will be difficult. Insurers are concerned …

rental property insurance Not rated yet
How can I find an insurer who will insure my home in b.c. and my rental property in Ontario? Properties in Different Provinces Hi Mark That can …

Insurance claim by superintendent/tenant  Not rated yet
I own an out-of-town rental property (insured as a rental property), and I have a tenant who gets reduced rent to perform basic superintendent duties (collect …

Policy wording Not rated yet
What exactly does "reasonable maintenance" mean. It seems to me that it is open to a very wide interpretation by both insurers and insured. As such, why …

rental insurance Not rated yet
My husband and I have four unit house we live on the ground floor and do not allow smokers We have owned and lived in the property for 25 years and have …

rebuildig Not rated yet
do you have to stay any specific time after rebuilding Time Period After Rebuilding Not that I am aware of. Please be sure to discuss this with …

racoons damaged our roof Not rated yet
We live in an area overrun by racoons and possums.Our roof was less than 10 years old when we bought this house, now the one side of our house in badly …

Insurance Agents Not rated yet
Must you use a local insurance agent or can you find anyone in the country? And another question is - the home we are renting is built by my husband. …

rental house insurance Not rated yet
We live in a cabin that is uninsured. We want to insure two other houses of ours that are being rented. Can we do this and who does this? Rental …

Phone inquiry considered a claim? Not rated yet
To start off, I would like to thank the moderators and people in this blog for sharing information. It did help me get the answer for my initial concern …

claiming 4wheeler through house ins. Not rated yet
Can i claim a stolen 4 wheeler under my house insurance if it was stored in an outdoor locked shed but it was not insured with vehicle insurance. Stolen …

Portable sheter coverage Not rated yet
I have a large portable shelter ( 14 ft x 40 ft.) that was destroyed during a storm. My boat that was parked in the shelter was also damaged. Do home …

heating Not rated yet
what is the best choice for a heat source in your home? Heat Source Hi Jodie Most insurers prefer natural gas, forced air furnaces as the primary …

Wood Foundation Not rated yet
Looking to buy a 2800 sq ft house built in 1912 with a wood foundation. Is obtaining insurance for this type of home a problem. Thanks. Wood Foundation …

Run an Web Design Business from my home office Not rated yet
Hi I run a web design business from my home office, it makes no difference if I work from my office, or the local coffee shop. I don't have any clients …

Extra-billed after premium payment Not rated yet
I have received a bill for more home insurance some months after paying my annual premium. My agent insists I have to pay it whether I want more insurance …

Vacation Not rated yet
I am going away for a long needed vacation. What is the minimum number of times I should have my house checked while I am gone for insurance purposes? …

roof replacement Not rated yet
After 14 years our roof is leaking badly over our kitchen. The shingles installed were 25 -year. Does Homeowners insurance cover any damage/repair …

Cancelled home insurance and mortgage Not rated yet
I had no house insurance for the last 2 years while my house was being rented. I could not afford the mortgage payments and I consuleted with my bank and …

frozen hotub Not rated yet
My insurance company will not cover my frozen hot tub. Upon inspection there was burnt wires, during severely cold weather. what can i do? Frozen …

Long Term Damage? Not rated yet
Hello, I've owned my home for just over 2 years. Recently the basement unit (it's a duplex, with a rental unit) reported a wet carpet. Insurance came …

Renter has home business Not rated yet
Hi, If I own a home and rent it out to someone and they open a home based business in the home, will my insurance be affected? Home Business By …

Furnace Regulations Not rated yet
Is there any regulations for the age of a forced air gas furnace to be replaced. I also would like to know will a older furnace effect the amount you have …

House pop up Not rated yet
We are going to knock down our house and rebuild . Do we need special home construction insurance. Knock Down and Rebuild Yes, you absolutely need …

Waiting for HELP Not rated yet
I rent a home and the basement is where my kids bedrooms are. Well the basement flooded with sewage water and my landlord refused to call a plumber in. …

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basement flooding due to municipal pipe work Not rated yet
Two weeks ago the municipality i live in dug up my frozen front lawn, the boulevard, and the road to replace a faulty water main that had froze the year …

Leak in foundation Not rated yet
Appear to have a leak in foundation wall behind a finished basement wall as carpet is wet after a thaw on unseasonably warm winter day. It appears from …

Under insured, on purpose.. ramifications Not rated yet
Having a discussion with friend.. Following situation.. House value is 200K. Insured only for 100K ( to keep premium low) Let's say kitchen …

Home insurance cancelled "high value home" Not rated yet
I just received a notice that the insurance company can no logger insure my home for reason stated "high valued home" and does not cover their underwriting …

Leaking shower Not rated yet
My shower leaks and has caused damage to my kitchen ceiling. Would repair of my shower and kitchen ceiling be covered under my insurance? Best, …

broad homeowners policy explained? Not rated yet
WHAT IS THE DIFFERANCE BETWEEN COMPREHENSIVE FORM AND BROAD FORM INSURANCE Broad vs Comprehensive Hi Francis, Thanks for asking. A comprehensive …

Home Insurance Cancellation Penalty? Not rated yet
My five-plex in an older home had been insured by Company A for 16 years, during which I never made a claim. After I was encouraged to upgrade to replacement …

coverage for absences of 30 days or more Not rated yet
if my husband and i decide to head south of the border for 30 days or more - what do we need to do to make sure that our house is covered for anything/everything? …

Lapsed due to underwriting reasons ?? Not rated yet
I've been living in a older home since 2005 I changed home insurance 2 yrs ago with (The Personal) insurance Cie they were offering a greater price for …

Home policy canceled due to owing dogs Not rated yet
We called our insurer today to update details - we have multiple policies from the same insurer held for 20+ years without a single issue (1 claim for …

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 …

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 …

Revenue property Not rated yet
We have a home in Powell River, Bc that we are renting out. Are we required to have house insurance? Rental Property Insurance I am not aware of …

about house insurance Not rated yet
can I get house insurance while my home is empty Vacant Home Insurance Yes you can. If the home is empty longer than 30 days you need vacant home …

landlords insurance Not rated yet
I live in Saint John, NB and recently a pipe burst in my bathroom and the floor, vanity, and one wall had to be removed, now my landlord is telling me …

New insurance policy... Home inspection? Not rated yet
Hello I've been in my home for 15+ years and been insured by the same insurance company since the beginning. I find their prices are getting out of reason. …

insurance sent a letter cancelling insurance saying the property is unsafe and going to condemn it, with out any notice or inspections? Not rated yet
my grandmother just recieved a letter 2 days ago saying her house insurance was cancelled due to her property being unsafe for people to be on it, no one …

Home Inspections by Insurance companies Not rated yet
Are insurance companies mandated by law to do home inspections? How frequently? Thanks. Home Inspections Hi Ken As far as I know, this is not …

GARAGE BREAK IN Not rated yet
MY GARAGE WAS BROKE INTO AND SOME TOOLS WERE STOLEN. WILL THIS IMPACT MY RATES IF I PUT IN A CLAIM BECAUSE THE SAME THING HAPPENED JUST OVER 3 YEARS AGO. …

high risk home insurance Not rated yet
my present insurer has refused to renew my policy.now looking for high risk home insurance. High Risk Home Insurance Hi there You'll need to shop …

Foriegn Property Not rated yet
I am part owner of a home that was inheirited in Northern Ireland.Our insurance company dropped us as there are so many emnpty propertys in the UK. Is …

Is Hidden Structural Damage Covered... Not rated yet
Even if it was caused by previous homeowners. The reason why I ask is that recently I began ripping out some old pine facing covering the main support …

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. …

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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 …

Rented dwelling Not rated yet
Can I get insurance for a home in Quebec that I have decided to rent out for a year? House Insurance - Rental Coverage Yes, you should be able to. …

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, …

vacant house Not rated yet
How often does a vacant house need to be checked to ensure the insurance stays valid? Vacant Home Insurance This depends on the policy wording. With …

ON Not rated yet
Shingles were lost in a wind storm. The entire back side of the roof was covered by insurance and was repaired. However the new shingles at the roof …

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 …

shed fire Not rated yet
i had a shed fire,total loss they are giving me a cheque for the contents and had given my contractor and myself the go ahead for the clean up(never asking …

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 …

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 …

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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? …

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 …

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, …

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. …

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 …

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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(s) …

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, …

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 …

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|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 …

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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 …

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