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Why Shelburne Homeowners Choose The Ostic Group
1. Local Experts Who Care
Our team lives and works in Shelburne. We’re not just your insurance provider—we’re your neighbours. We actively support and sponsor community events, giving back to the place we call home.
2. Access to Leading Insurance Providers
We work with top home insurance providers across Ontario to find the best coverage at competitive rates. There is no need to shop around—we do the work for you.
3. Tailored Coverage That Fits Your Needs
No two homes—or homeowners—are the same. That’s why we customize every policy to match your specific situation, helping you secure the best coverage at the best price.
What Our Customers Have to Say
What’s Included in our Shelburne Home Insurance Policies?
A home insurance policy with The Ostic Group goes beyond basic protection. Our comprehensive plans can include:
- Protection for Your Home & Belongings – Coverage for fire, theft, vandalism, and weather-related damages.
- Liability Insurance – Protection if someone is injured on your property.
- Additional Living Expenses (ALEs) – Coverage for temporary housing if your home becomes uninhabitable due to a covered loss.
- Coverage for High-Value Items – Extra protection for jewelry, electronics, and other valuables.
- Optional Add-Ons – Customize your policy with extra coverage options to suit your lifestyle.
If you’re unsure about what coverage you need, our team is just a phone call away. We’ll walk you through your options and help you find the perfect fit.
Customize Your Shelburne Home Insurance
Not every household looks the same. With The Ostic Group, you can choose from homeowners’ insurance, landlords’ insurance, tenants’ insurance and more. Whether you live in a condo, townhouse, or country home, we will find a suitable solution for your family.
You’ve worked hard for your property — ensure it’s adequately protected. We will provide you with reliable coverage by creating a home insurance policy that fits your lifestyle and your family’s needs. Ostic Group protects the Shelburne community through every season of life with comprehensive home insurance policies.
Types of Home Insurance We Offer in Fergus
No matter what type of home you own or rent, we have a policy that fits:
Landlord Insurance | Rented Dwelling Insurance
Provides coverage for rental properties, whether you’re renting to tenants or family members.
Cottage Insurance | Seasonal Dwelling Insurance
Tenants’ Insurance | Renters’ Insurance
Affordable coverage for renters, protecting personal belongings and liability.
Condominium Insurance
Comprehensive protection for vacation properties, whether you use them seasonally or rent them out.
Country Home Insurance
Specialized coverage for rural properties with options for wood stoves, generators, outbuildings, and more.
Frequently Asked Questions About Personal Property and Home Insurance
Why do I need home insurance?
If you own or rent a property, it is incredibly important to have home insurance or personal property insurance. Home insurance is designed to cover you from liability exposures associated with property ownership or rental. This may include a wide range of risks, including personal injury, natural disasters, crime, and much more.
Without home insurance, you will not be covered for possessions lost in a fire or burglary. If someone is injured on your property, you may be responsible for paying the medical bills. These scenarios are just a few examples of why you need personal property insurance.
For more information, contact our insurance team today.
What is typically covered by home insurance?
Home insurance can provide coverage against a wide range of risks, depending on the type of insurance and the coverage selected with your policy.Homeowner’s insurance will typically provide coverage for your primary property, its contents, and premises, as well as providing liability protection for you and members of your immediate family.
If your primary property is a condominium, then we recommend condominium insurance, which will offer similar coverage for condo owners. Similarly, if you live in a rural area, then we have a product specifically designed for country home insurance, which may differ in significant ways from traditional home insurance.
Landlord insurance or rented dwelling insurance will offer coverage for a residential rental property, which is typically a secondary or even tertiary property. It can be bundled with your main home insurance policy, or have its own individual policy.
Cottage insurance or seasonal dwelling insurance is typically used to cover a seasonal property like a cottage or a winter cabin. This type of policy will vary greatly depending on the type of property that is being covered.
Tenants’ insurance or renters’ insurance will typically provide basic coverage for personal belongings in a rental property, as well as liability protection for the tenants or renters.
Click the links above for more information on the specific types of personal property insurance and the coverages available with The Ostic Group.
How much home insurance do I need?
You need the right amount of home insurance to properly cover your property, your possessions, and your family from any relevant exposures. The requirements of your insurance coverage will depend on a number of variables, including:
- The value of your property
- The type of property that you own
- The value of your possessions
- The risk exposures in your specific location
- And more
If you’d like to learn how much personal property insurance will cost for you, start a quote in 30 seconds to find out.
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Read MoreGet the Right Home Insurance in Shelburne Today
You deserve home insurance that protects your home—without overpaying. Our team at The Ostic Group is here to help you find the right coverage, with local expertise and personalized service you won’t get from a call centre.