Your home is quite often your most valuable asset. Let us guide you to the right coverage plan and the right company to protect it.
Not all home protection policies are created equal however. At Blair Insurance Brokers, we will help identify your unique property insurance needs and create a policy that is right for you. Whether you are seeking to insure a house, condominium, cottage or rental unit, Blair Insurance has the right solution for you. We will shop the market to find the policy that protects your home and its contents at the best possible price for you.
Products Available at Blair Insurance
What Does Property Insurance Cover?
What exactly are you getting when you purchase a home insurance policy? You’re buying the peace of mind and protection that you will be covered and reimbursed in the event of a misfortune such as fire, smoke damage, lightning, wind storms, vandalism, burglaries, and other detriments to your property.
Are All Property Policies Identical?
Not at all. For competitive reasons, policy wordings can vary across companies. It might be tempting to look for the cheapest property insurance, but as with so many things you buy, the price you pay often has a lot to do with the quality of what you receive. This also holds true for insurance. Just as not all companies are the same, no two property owners have the same needs either. It’s important therefore to have one of our expert advisors research the available policies for you match your unique needs with one of our many Insurers, saving you time, money and giving you peace of mind.
There are many ways to customize your home insurance policy to fit your unique needs. Our insurance experts can offer advice and recommendations to tailor the policy to meet your requirements. Some of the options available for customization are listed below. Please contact us for more information:
Water Damage Coverage
Our weather patterns in Ontario have changed, and homes are experiencing flooding from flash storms and rapid downpours more than ever. Options are available for protection. Find out how you can be covered for these events.
Home Based Business
A home-based business has many advantages. However, you still must accept the responsibilities a business can bring. This includes having adequate insurance. In most cases, your home business will not be covered in your home insurance policy. We can customize your policy to protect your home-based business against some property damage and liabilities and cover the damage or loss of your valuable business articles.
Cyber Attack Protection
Hackers are becoming more advanced and have the ability to infiltrate your personal computers and devices, stealing your information, extorting money and leaving you vulnerable. Get coverage against this growing risk.
Service Line Coverage
As a homeowner, you may not realize that you are responsible for the underground service lines that bring water, power, data, and communications services to your home. These run from the city property lines to your dwelling. Should something go wrong with these lines, it is the homeowner who pays for the maintenance and repair costs for these service lines. You can add on this protection to your homeowner’s policy to help pay for the repair and/or replacement of those lines.
Whether you own a jet ski, small motorboat, or sailboat, adding coverage for your watercraft is easy. Simply request that one of our insurance specialists add watercraft coverage to your existing property policy, such as a homeowner, condominium, tenant, or seasonal homeowner policy. With watercraft coverage, you’re protected against damage due to accidents, storms, theft, or vandalism.
Unexpected things can happen anywhere and at any time. Personal Umbrella Liability coverage provides added protection above the limits of your homeowner and auto policies to shield your assets from potentially high court awards. Also, if you travel out of the country, Personal Umbrella Liability provides you with worldwide protection.
You should consider Personal Umbrella coverage if you:
- Are an active member of the community.
- Are well established and may be a target for lawsuits.
- Have young drivers in your house.
- Operate a home-based business.
- Own two or more vehicles.
- Own watercraft, or recreational vehicles.
- Travel out of country.
- Volunteer or are a director of a non-profit organization including condominium corporations.
If you frequently travel and require medical Insurance and travel assistance, consider adding this extension onto your property insurance policy. This extension is paid for in one annual payment and covers multiple trips year-round. Coverage can be customized to include: Baggage loss, damage and delays, trip cancellation and trip interruption insurance.
Identity theft is on the rise in Canada. Your identity is valuable and unique. It takes a thief only a few hours to assume your identity by using your credit card, driver’s license, social insurance number or other personal identification numbers to commit fraud or other criminal activity. Ask about protecting yourself against Identity Theft.
How to Save On Your Property Insurance
If you fall into any of these categories, tell us. It can greatly reduce your premium.
- Alarm Discount
- Back Up Valve Discount
- Bundle Discount. Bundling, Multi-Vehicle and Multi-Policies
- Claims Free Discount
- Credit Score Discount
- Flex Discount
- Group Discount
- Loyalty Discount
- Mature Citizen Discount
- Monitored Water Alarm Discount
- Mortgage Free Discount
- New Business Discount
- Non-Smoking Discount
- New Home
- Renewal Discount
- Retiree Discount
- Shuttle Tanker Discount
- Sump Pump Discount
- Tankless Water Heater Discount
- Unfinished Basement Discount
- And more…