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Old 9th September 2009, 01:48 PM
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Default Recommend me an Insurance Broker v. House Insurance

So I'm currently shopping around for house insurance. What should I be looking for?
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Old 9th September 2009, 05:57 PM
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Pam and I are at Team Insurance on Henderson...Been there since the old house! Give them a call!
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Old 9th September 2009, 06:04 PM
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Check to see if you're bank will also hook you up with a deal on house insurance. Also if you have alarm and monitoring at you're house you'll get a certain percentage discount.
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Old 9th September 2009, 07:23 PM
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There are 2 types of house insurance, Comprehensive and Broad (sp?). The only difference between the 2 is Comp has coverage for personal loss, like say for example you have a party in your house and someone accidentally breaks a crystal vase or you lose a pearl necklace. Generally you want to make claims for big losses, like for fire or if a tree falls on your roof. Most homeowners if the damage is small will just end up fixing it on their own. Also not sure if this applies to any homeowners out there but I know with Wawanesa (who we deal with) the longer you stay without any claims, you are entitled to get a discount, which is pretty awesome. I say this because I know a family who own 2 homes, one of the homes was rented out, one night there was a storm and both roofs had damage to it. This family had no claims for 20 years, after they made the 2 claims for the damage on the roof, they were not eligible for house insurance for a few years and no insurance company would take them, They were pretty much blacklisted which really sucked for them.

Another thing to watch out for, depending where you live, certain areas in the city you are not eligible for flood loss coverage in your basement. i know it sucks but again whoever you deal with will ask you and let you know off the bat if you're covered or not.

And also having a Alarm system is a plus too. Once you have one installed, it's an automatic discount on your house insurance.

My advice, shop around, not everyone is going to have the same rate. We deal with Dowling Insurance on Mcphillips who works along side Wawanesa. no complaints whatsoever. Great people and answered every question we threw at them. And make sure your policy will cover everything, some companys like to leave out things like flood loss/fire damage, or break/entering just so it's easier on your pocket.

Good luck!
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Old 9th September 2009, 07:27 PM
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Check to see if you're bank will also hook you up with a deal on house insurance.
Francis I think you're talking about Mortgage insurance, no bank which I know will offer any type of house insurance or repair any damages to your home. With mortgage insurance which is totally different, once you have a life insurance policy, you can remove the mortgage insurance from the bank. It doesn't make sense to have 2 coverages.
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Old 9th September 2009, 09:46 PM
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Quote:
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Francis I think you're talking about Mortgage insurance, no bank which I know will offer any type of house insurance or repair any damages to your home. With mortgage insurance which is totally different, once you have a life insurance policy, you can remove the mortgage insurance from the bank. It doesn't make sense to have 2 coverages.
RBC does offer Home insurance as well as Auto insurance. The more products you have with you're bank usually gets you a better rate or discount.
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Old 9th September 2009, 11:32 PM
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^interesting. didn't know about that. I'll look into it more.
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Old 10th September 2009, 08:35 AM
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Thanks home owners! I will check out Wawanesa
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Old 11th September 2009, 12:20 PM
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Shawn,

I just moved to leipsic from Ranger and have been very happy.

MK
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Old 11th September 2009, 12:27 PM
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when i was looking for insurance the first time i found manitoba co-operators had the best policy.

Sarbit insurance was the most reasonable. They deal with alot of urban residents and they apparently serve the philipino community. They have an office in the Philipine cultural center. Make sure you get a quote from them.
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Old 11th September 2009, 12:47 PM
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Check out the place by giant tiger. Forget the name. That's where I got my stuff done.
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Old 15th September 2009, 03:47 PM
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So I decided to go w. Key Insurance Brokers (my family has been dealing w/ them for years). Aviva was the insurance I ended up w/ (Comprehensive). Pricing similar to TD Monex.
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Old 15th September 2009, 07:21 PM
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Quote:
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Check out the place by giant tiger. Forget the name. That's where I got my stuff done.
Is this Weston Travel & Insurance you are talking about? They take care of me and my car stuff.
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Old 16th September 2009, 11:29 AM
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Quote:
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So I decided to go w. Key Insurance Brokers (my family has been dealing w/ them for years). Aviva was the insurance I ended up w/ (Comprehensive). Pricing similar to TD Monex.
Welcome to the Aviva family!! So when are you moving in? or are you in already!?
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Old 14th September 2012, 06:53 AM
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Bumping up an old thread! Any new advice for house insurance locally?
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Old 18th September 2012, 02:11 PM
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Key Insurance ended up turning into ONE Insurance. You should be able to walk into any ONE Insurance office. They sign you up w/ AVIVA. No issues on scheduled payments so far.
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Old 18th September 2012, 05:59 PM
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Co-Operators have had the cadillac of policies from my experience.
If you want cheap north end insurance, Sarbit seemed the best at the time.
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Old 18th September 2012, 06:38 PM
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Thanks for the input guys. I ended up getting many quotes and got a price match at Weston Insurance.
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