Home Insurance, Windsor, ON
Your home insurance situation is unique, and we’ll come up with the best possible solution.
For many people, their home is their biggest investment. If you’ve worked hard to become a homeowner, you take pride in what you have accomplished! At St. Clair Insurance Brokers Inc., we believe you should protect your biggest investment with home insurance that gives you complete peace of mind.
In the world we live in today, damage to your home can happen in the blink of an eye, whether from a flood, fire, severe weather, crime or other unforeseen circumstances. That means you’ll want a comprehensive home insurance policy that provides protection against the things you may not have even considered. At St. Clair Insurance Brokers Inc., we excel at protecting families and their homes in Windsor, Ontario. We’ll take the time to explain your options and help you make informed decisions on the protection levels you want and require.
We are proud to work with some of the best insurance carriers available to build you an affordable home insurance policy. Respecting your budget is just as important as protecting your home, and we are committed to finding you the best coverage for the lowest price.
Our Home Insurance Solutions
In addition to home insurance solutions for primary residences, we also offer protection for secondary and seasonal homes, as well as rental property insurance to meet the varied needs of our clients. We know that every home insurance situation is unique, and we’ll work to help you determine the best solutions.
Factors That Affect Your Premiums
Like with anything else, you want to make sure you are getting the best deal possible on home insurance. This starts with understanding exactly what affects your premiums, so let us go over a few of the most important factors that affect what you pay for this crucial type of insurance:
- Your home’s replacement cost—If your house was completely destroyed, how much would it cost to rebuild from the ground up? In addition to the building materials themselves, your home’s replacement cost considers the accessibility of your property as well as labour costs and construction by-law requirements.
- Materials used—The material your home is made out of will make a difference. For example, homes made primarily from wood cost more to insure, since wood is a highly flammable material.
- The age of your house—In some cases, older homes contain materials that are more likely to result in a loss (i.e. knob and tube wiring, wood stoves). In other cases, older homes feature unique architectural features that are difficult to replace.
- Your coverages—This is a big factor that affects how insurance premiums are determined. The more protection your home requires, the more costly your monthly premiums will be.
This is just a quick glimpse into some of the factors that impact what you’ll pay for home insurance, and there are many others that can play a role when it comes to your premiums. We are happy to discuss what affects your premiums and shop the market for you to ensure you get the best coverage at the best rate possible.
Contact Us Today
If you have questions about your current home insurance policy or would like to begin building the policy you need, contact us at St. Clair Insurance Brokers Inc. today.