House buildings and contents insurance!
Mar 16th 2016, 5:57 pm
#16
Oscar nominated
Joined: Jan 2008
Location: Moncton, NB, CANADA
Posts: 50,820
Re: House buildings and contents insurance!
Just tried...they don't cover my bit 
Some of these on line quotes are a waste of time.
Apart from not covering here, I've had "sorry, based on your heating system we cannot give a quote." Really? For a heat pump?
I changed it to electric and still got sorry no quote.
There were also a couple where phone number was asked for a call back. For an on line quote.
One asked for my d/b another asked for the d/b of the eldest person in the house.
But I did get two quotes (not including contents) from one site. One was $150 less than I pay for the year but with contents would probably cost more and the other was half what I pay.
Might follow up on that. Funnily enough it was PC Financial. Bit of a surprise.
Some of these on line quotes are a waste of time.
Apart from not covering here, I've had "sorry, based on your heating system we cannot give a quote." Really? For a heat pump?
I changed it to electric and still got sorry no quote.
There were also a couple where phone number was asked for a call back. For an on line quote.
One asked for my d/b another asked for the d/b of the eldest person in the house.
But I did get two quotes (not including contents) from one site. One was $150 less than I pay for the year but with contents would probably cost more and the other was half what I pay.
Might follow up on that. Funnily enough it was PC Financial. Bit of a surprise.
Mar 16th 2016, 6:18 pm
#17
Binned by Muderators
Joined: Jul 2007
Location: White Rock BC
Posts: 11,682
Re: House buildings and contents insurance!
We pay $2,400 for two houses including business use, earthquake and all bells and whistles except overland flood. This is covered by the province. However, it is a long way from the GTA.
Mar 16th 2016, 6:41 pm
#18
Joined: Sep 2008
Posts: 12,830
Re: House buildings and contents insurance!
Mar 16th 2016, 9:16 pm
#19
Account Closed
Joined: Jan 2006
Posts: 0
Re: House buildings and contents insurance!
That is who we use. By being able to exclude coverage for things like jewlery and furs and other stuff we dont have and cover for they came out ahead price wise. And I can do everything with square one online.
Try Square One Insurance. We found them to be a lot cheaper than the competition. We pay $97/mo to insure our 3000sq ft house and contents (including earthquake etc)
Menu-pricing (don't insure what you haven't got) and options for different deductables (excesses).
We had a claim in December ($18k basement plumbing flood) and it was dealt with very well. Only held up by Christmas and the fact that the repair company were really busy (as is the case in the Vancouver area).
Flood happened at 9am.
Crew were on site by 12 noon.
Basement stripped out by 5.30pm.
https://www.squareoneinsurance.ca/ref/JYTUGY
Yes - that is an affiliate link. [Mods please delete the last bit if it's not allowed]
You get a $10 Home Depot card for getting a quote.
I only get a $10 Home Depot card if you buy insurance.
Menu-pricing (don't insure what you haven't got) and options for different deductables (excesses).
We had a claim in December ($18k basement plumbing flood) and it was dealt with very well. Only held up by Christmas and the fact that the repair company were really busy (as is the case in the Vancouver area).
Flood happened at 9am.
Crew were on site by 12 noon.
Basement stripped out by 5.30pm.
https://www.squareoneinsurance.ca/ref/JYTUGY
Yes - that is an affiliate link. [Mods please delete the last bit if it's not allowed]
You get a $10 Home Depot card for getting a quote.
I only get a $10 Home Depot card if you buy insurance.
Mar 17th 2016, 12:51 pm
#20
Forum Regular
Joined: Aug 2007
Posts: 172
Re: House buildings and contents insurance!
I'm in Muskoka (two hours north of TO) and have just got a quote for the house Im buying that has a 25% finished basement. House is out in the boonies and is 2100 sq ft. The $2000 per annum...........I'll be contacting some of the above companies - see if I can improve on that.
