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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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Why choose home insurance with Knight Archer?

When it comes to protecting your home, you need an insurance broker that you can trust. Knight Archer has been serving the community since 1981, providing personalized and professional service to thousands of customers. Whether you own or rent, live in a house or condo, we have the right home insurance plan for you. We work with some of the best insurance companies in the industry to offer you comprehensive coverage at affordable rates. Plus, we make the process easy and convenient, with online quotes, flexible payment options, and friendly staff who are always ready to help. Don’t settle for less than the best. Choose Knight Archer for your home insurance needs.

Home insurance

Home insurance, also known as house insurance or homeowners insurance, covers unexpected losses like fire, wind, theft, and water damage. Your home insurance coverage can encompass a wide range of aspects, including damage to personal belongings, bodily harm inflicted on your premises, coverage for appliances, and protection for your most prized personal items in the event of a loss.

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What does home insurance do 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 necessary because some people can cover small home losses themselves, like a leaking tap. However, bigger losses such as a collapsing roof are usually too costly to handle on their own. You can buy insurance to protect against financial losses from unpredictable weather or natural disasters.

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

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

Comprehensive insurance covers your home and outbuildings, like sheds and greenhouses. If you have current home insurance, it should protect you from most risks and damage to your home, belongings and outbuildings.

Broad coverage pulls back a bit from the comprehensive coverage and should protect you from most risks and damage to your home and outbuildings, but will include only named perils on belongings.

Homeowners insurance covers injuries to people in your home, like kids, pets, or guests, and protects you from liability.

When buying a policy for yourself, the insurance coverage is determined by the value of your house and the items you want to protect. This includes safeguarding against risks such as theft, fire, and other major disasters.

Our experts are available to chat on which type is right for you and your home.

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Why do you need home insurance?

If you have a mortgage on your home, your mortgage provider or bank will require you to have homeowners insurance. There two most common types of insurance are:

  1. Broad
  2. Comprehensive

What does home insurance cover?

There are many kinds of insurance and coverages that you can purchase. Basic insurance covers your home, belongings, and outbuildings for unexpected events like accidents or emergencies, depending on your policy.

  • Theft
  • Some weather events
  • System failures in the home
  • Sewage incidents
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What should you know about buying the minimum coverage available?

Having only minimum coverage means you’re taking on some of the risks of homeownership yourself. When searching for insurance, remember that many home claims arise from unforeseen events. 

If you choose minimum coverage for a cheaper premium, you won't have water protection or sewer backup coverage. Wanting to lower living costs is understandable, but choosing minimum coverage may be a bad decision in the long term.

In the event of a flood damaging your house, without insurance or financial resources, you’ll be incapable of repairing it. We suggest talking to our brokers to find the best coverage for you that also fits your budget.

Consider insurance costs as part of your home buying process.

Companies that we work with to find you the best home insurance:


The cost of home insurance

The average home insurance cost varies as there are many factors that affect the cost of home insurance such as the number of past claims you may have, alarms or other detection devices installed in the home, your credit score, and even whether you’re purchasing insurance from a company you already work with.

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Factors that can increase the cost of home insurance

  • Age of your home (older homes can be more costly)
  • Previous claims on the home  
  • Poor credit score
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Factors that can decrease the cost of home insurance

  • Alarm systems installed
  • No previous claims filed on your home
  • Good credit score
  • Loyalty discounts

As the cost of home insurance varies, it’s best to get a free quote from one of our brokers to see what your premium will be.

Have a question? We'll reach out.

If you're looking to learn more about what we offer, we'll email or call you to answer any questions you may have. Our team is flexible, approachable, and ready to make the process as easy as possible.

Or if you prefer...

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Get a home insurance quote

Get started today with a free quote. Just provide some basic information about your property and what type of coverage you want. After that, we can give you an accurate quote on a policy that meets your needs.

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If you prefer in-person or over the phone, you can always chat with us on which policy is right for you and your home.

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Submitting a home insurance claim with Knight Archer

If something happens and you need to submit a claim on your home insurance, you can contact Knight Archer Insurance, and our team will contact your insurance company on your behalf and help walk you through the process.

Home Insurance FAQs

Is my vehicle insured while in my garage?

Home insurance does not cover your vehicle while it is in your garage.

Your vehicle is only insured under auto insurance, and it depends on the type of coverage your policy has whether or not it is covered while inside a garage. You can check with our team of account executives or customer support specialists about the particulars of your policy.

I have a valuable item that I want insured. How do I do this?

Many providers will cover items up to a certain amount. It depends on the value of the item. If it's a highly valuable item, you may need to get an appraisal done, and then it would have to be listed on the policy. We call it "scheduling it" as an individual item which really means listing it on your policy so if there was a loss there is a record of its value.

What are the most common home insurance claims?

The most common home insurance claims that you'll find are:

  • Theft of personal property
  • Sewer and water damage
  • Natural disaster damage like wind, storms, and hail
  • General flooding from a natural disaster or a broken appliance
Why does the cost of my home insurance differ from that of my family and friends?

There are a few reasons why some homeowners may pay more than others for home insurance within the same city or town.  

The size or age of the home is a consideration, the insured's claims history, or if you are within a territory or region that is designated as high-risk by an insurer. 

Other people could have discounts available due to measures taken that prevent theft like additional security equipment, they have a higher deductible, or they have no claims experience.

Why am I insured for more than my property assessment reflects?

There are many reasons people's home insurance reflects a higher value than what is shown on their property assessments.

Some of the things your insurer takes into account are:

  • Building materials used
  • Labour expenses
  • Your home's age
  • House size compared to others in your area

Based on these factors, insurers will calculate an estimated amount that would have to be invested for you to completely rebuild a comparable house.

Is there water coverage included in home insurance?

There is water leakage and rupture coverage on various insurance policies. Because of this, your plan will cover you if your pipes burst or if a water heater breaks, or a toilet overflows. It’s best to go over your specific policy with your account executives to make sure you know exactly what is and isn’t covered.

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People from a variety of ethnic backgrounds work here making them great at serving and supporting a vast customer base.

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I was blown away with the service I received here by both Lisa and Vlera. I had a bit of a complicated situation and felt caught between provincial systems but both women worked the problem with me until we had a good solution. Extremely helpful, professional and made what was tricky a good experience.

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Tasha Cox


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I went to this Knight Archer office to get a few important documents notarized. I was received by a staff at the counter and transferred my request to an official who dealt with my request. The notary who helped me with my documents provided me with the best service I've ever received thus far in Canada. She was very much courteous with the service and I just want to point out that Knight Archer staff does very well treating their customers. I appreciate it very much and encourage the management to continue doing the same.

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Robin John


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Always a pleasant visit! Friendly, knowledgeable and efficient staff make for a quick and easy process!

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Stephanie K


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I wanted to get home insurance and was helped by Karen Filleul. Being a first time home buyer, I couldn't have asked for a better person to help me with getting home insurance than Karen. She was extremely thorough, prompt and professional, and was able to get me the best deal. Thanks to her and the rest of the staff at Knight Archer for delivering top notch customer service.

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Gagan Gill


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Knight Archer in Vic Ave is a great place for customers. I had some issues regarding my vehicle. Lisa was wonderful and helped me through the process and everytime I felt my concerns are valued and sincerely solving the problem. The communication was great, smooth and top of all quick.

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