In 2019, the insurance industry has seen increases in home and auto insurance premiums from many insurance providers. These changes are being driven by the new ‘hard market’, which the Canadian [...]
Keep your home and other personal properties in Ontario safe and protected from risks. Get coverage that includes rental properties, cottages, and more.
At the Ostic Group, we understand that homeowners in Ontario have a wide range of needs for their personal property. We don’t believe in “one size fits all” insurance coverage — we help people find the policy to fit their lifestyle.
Whether you’re looking for coverage for your main home, a rented dwelling, a seasonal property, or a country home, our team will help you find a plan that provides peace of mind and ensures that you, your loved ones, and your investments are safe.
Our team provides personal property insurance to individuals across Ontario, from our offices located in the communities of Guelph, Fergus, Elora, and Shelburne. Browse below to learn more about our different personal property insurance programs:
Homeowner’s insurance is designed to cover the property and liability exposures associated with home ownership. These include the dwelling, personal contents, premises, and personal liability protection for members of the immediate family.
Homeowner’s insurance policies are available for various types of dwelling, including detached, semi-detached, row housing, townhouses, mobile homes, duplex, triplex, and more. Learn more about your options and available discounts today.
Landlord Insurance | Rented Dwelling Insurance
If you are the landlord for a rented dwelling in Ontario, it is important to have the right protection for your investment. It doesn’t matter whether you are renting to a child who is away at school or family members — many of the risks will remain the same.
Our team can offer landlord insurance for residential rental properties that you may own in Ontario. Find a policy that is specifically designed for your property type and rental uses, plus choose from a range of applicable discounts.
Cottage Insurance | Seasonal Dwelling Insurance
Cottage and other seasonal properties are the location of many families’ fondest memories together. Our cottage insurance provides protection for any seasonal-use property that you may own in Ontario, so you can protect your home away from home and continue making memories.
We offer a variety of options for seasonal dwelling coverage, including options for full-time cottages, cottage rentals, vacant land, and vacation condos in resorts. Save on your plan with homeowner specific discounts and choose additional coverage to fit your specific needs.
Tenants’ Insurance | Renters’ Insurance
If you are a tenant or a renter, it is just as important for you to have insurance as it is for a homeowner.
We offer a range of tenants’ insurance and renters’ insurance options, including coverage for personal contents, personal liability, additional living expenses, and a variety of building types. You can also save on your policy by choosing from a number of available discounts.
Condominiums are becoming increasingly popular in communities across Ontario. If you are a condo owner, you will understand that your property comes with its own set of risks and liabilities — and you need a dedicated insurance policy that is specifically tailored to fit your needs.
We offer condominium insurance programs with coverage for personal contents, improvements and betterments, loss assessments, personal liability, personal living expenses, and more. Find out how to save on homeowner specific discounts today.
Country Home Insurance
Living in the country provides homeowners with a range of opportunities for outdoor recreation and sustainable living that extend beyond those available to city dwellers. If you live in a rural area, then you will have unique needs for your country home insurance.
Our newest coverage, Country Living Aspire, provides coverage options to suit your country home lifestyle and meet the specific needs of rural homeowners. Choose from different options for oil tanks and generators, wood stoves, recreational vehicles, outbuildings, and more.
Frequently Asked Questions | Personal Property Insurance
Why do I need personal property insurance?
If you own or rent a property, it is incredibly important to have personal property insurance.
Personal property 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 personal property 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 personal property insurance?
Personal property 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.
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 personal property insurance do I need?
You need the right amount of personal property 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.