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Home Insurance

Your home is one of your greatest investments, and we want to make sure that it is protected. No matter whether you live in a house, trailer or condo, rent or own, or need extra coverage for your boat, cabin or specialty jewellery, we have the insurance you need to feel safe and secure. At Knight Archer, our home insurance packages are designed to give you strong coverage at a price you can afford.

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Home insurance

Also called house insurance or homeowners insurance, home insurance can provide coverage for unexpected losses and perils such as fire, wind, theft, and water damage. The coverage included under your home insurance can extend to include many things, such as damage to personal property, or physical injury caused on your property, appliance coverage and your most valuable personal possessions in case of loss. 

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What home insurance does for you

Home insurance helps to protect your home and valuable possession from unexpected loss. Homeowners can also purchase a home insurance policy to cover a total loss or replacement of their home, called replacement cost. This coverage will help you get back on your feet when you experience a total loss in the worst-case scenario. 

Insurance is important because while some people can self-insure or pay out of pocket for small losses within their home such as a tap leaking, much bigger losses like a roof caving in are often too expensive to pay for. As we can’t predict the weather or plan for natural disasters, you can purchase insurance to cover financial losses in these scenarios.

These disasters are when insurance can be the most important because it can protect you from catastrophic financial loss.

What can the different types of home insurance coverage do for you? 

Comprehensive insurance coverage will cover the dwelling (your home) and outbuildings (sheds, greenhouses, etc.), as standard, so if your home insurance is up to date, you should be covered against included perils and damage to your outbuildings. Most home insurance plans will also provide coverage for your belongings. 

Broad coverage extends beyond the comprehensive coverage and includes additional perils on the dwelling and outbuildings, and named perils on belongings. Broad homeowners insurance could also protect you from liability if someone is hurt or injured in your home, such as children, pets, or visiting friends and family.

When it comes to purchasing a plan for yourself, keep in mind that your policy coverage will depend on the value of your home and the items you are protecting from risks such as burglary, fire, and other major disasters. 

You can always chat with us on which type is right for you and your home.

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