Home Insurance Made Easy and Built for Real Life
Protect your home, belongings, and workspace with home insurance in Canada. PolicyHub makes it easy to compare options and ensure your property and financial future are fully covered.
What Home Insurance Really Covers
Home insurance protects you from losses you can’t—or shouldn’t—pay out of pocket. Many homeowners make mistakes not by choosing the wrong insurer, but by selecting the wrong coverage limits, missing essential options, or failing to disclose changes that affect their risk, like renting a suite or running a business from home. PolicyHub helps you get coverage right the first time, giving you confidence and peace of mind.
- Property damage protection for your home
- Coverage for theft and unexpected events
- Liability protection for injuries on your property
- Living expenses if you cannot stay in your home
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Home Insurance for Owners & Business Use
Not everything is about price: these are the areas that most influence whether you’ll be happy with your coverage :
Jewelry, collectibles, electronics, instruments, and expensive tools may need additional coverage or scheduling in your home insurance.
Higher deductibles can lower premiums but increase out-of-pocket costs—set home insurance deductibles that fit your budget.
Understanding how your home insurance policy values and replaces contents and building components can impact claim outcomes.
Water damage is a major risk—understand your coverage. Protect high-risk areas like older plumbing or finished basements.
What Home Insurance Includes
Coverage and terms vary by policy and province, but home insurance often involves these key building blocks:
Dwelling Coverage
Covers your home’s structure: walls, roof, and built-in fixtures.
Protects against costs to repair or rebuild after an insured loss.
For business owners, include work-related upgrades like custom electrical, built-ins, or specialized rooms.
Contents coverage
Covers furniture, electronics, clothing, appliances, and personal items.
Common gap: people underestimate replacement costs—don’t rely on purchase prices.
For business owners, work devices, tools, and inventory may need coverage—review policy terms.
Personal liability coverage
Protects if someone is injured on your property.
Covers accidental damage to someone else’s property.
Helps with disputes that escalate to claims.
For business owners, clients visiting your home can increase liability exposure—disclose and structure coverage properly
Additional Living Expenses
Covers extra costs if an insured loss forces you to live elsewhere.
Can include accommodation, meals, and other necessary expenses (subject to policy terms).
For business owners, displacement can disrupt work and income—plan accordingly.
Homeowners Running a Business: Insurance Tips
If you work from home, you’re not alone—but it can affect coverage. You should disclose:
- Customers visiting home
- Storing inventory at home
- Tools and equipment for side hustle
- Employees or contractors onsite
This is less about “getting in trouble” and more about ensuring that, in the event of a claim, there aren’t surprises.
PolicyHub helps home-based business owners get the right insurance with a home-based business endorsement or a separate policy based on risk and underwriting.
Home Insurance for Rental Suites and Secondary Units
If you rent out a basement suite, room, or accessory unit, your home may not be fully owner-occupied, affecting insurance coverage
Why PolicyHub: Clear, Reliable Coverage
- Liability exposure may increase with tenant occupancy
- Underwriting assumptions can change
- Underwriting assumptions can change
- Additional documentation may be needed
We help homeowners select the right insurance policy and provide accurate details upfront.
Why Choose PolicyHub for Your Home Insurance?
We Reduce Gaps
You don’t want to discover coverage gaps during a home insurance claim, so we help identify common blind spots like contents underinsuring, water protection assumptions, home-based business activity, and rental use.
We Keep It Simple
We help you compare home insurance coverage in plain language so you clearly understand what affects your claim outcome, what impacts your premium price, and what options are negotiable.
We Help Beyond Purchase
Changes happen—renovations, new valuables, moving, starting a business, or adding a tenant—and your home insurance policy needs to adapt so your coverage stays accurate and protected.
Home Insurance Guide: Eligibility and Required Information
Who Home Insurance Is For
- Detached homes – single-family homes needing comprehensive coverage
- Semi-detached homes and townhomes – coverage depends on ownership structure
- Primary residences – your main home requiring protection
- Secondary homes – certain secondary homes may qualify depending on eligibility
- Owner-occupied and rental properties – rules may differ based on tenant occupancy
- Condominiums – may require additional coverage for shared structures and amenities
- Older homes – age and condition can affect insurance options and premiums
Information Needed for a Quote
- Home address and type – location and structure type affect coverage and premiums
- Year built – approximate year helps assess rebuilding costs and risk factors
- Construction type – materials used can impact insurance requirements
- Heating type – influences risk assessment for fire and damage coverage
- Occupancy details – whether owner-occupied or rented affects liability and coverage
- Notable upgrades – roof, plumbing, or electrical improvements can affect premiums
- Approximate contents value – ensures adequate coverage for personal property
Don’t worry if you’re unsure—PolicyHub helps you understand what matters most for your home insurance.
Homeowner Coverage Scenarios Solved
We can help you review structure, deductibles, endorsements, and alternatives.
We help you move fast while still aligning coverage to lender requirements and your real risk.
Renovations can materially change rebuild costs and water exposure. Let’s update properly.
We’ll help you structure coverage so your home and business risks are clear and defensible.
Home Insurance: Protect the Asset You Can’t Afford to Risk
FAQ
Most frequent questions and answers
It may not be legally required, but lenders commonly require it for a mortgage.
They can—especially if rebuild cost changes or the risk profile shifts.
Dwelling is the structure. Contents are your personal belongings.
Tell us. Rental use can affect policy type and underwriting.
Think room-by-room and replace-at-today’s-cost. Electronics, furniture, and clothing add up quickly.
Disclose business use. Coverage needs can change if you have clients visiting, inventory, or specialized equipment.
Sometimes, but terms vary. Water-related coverage is one of the most important areas to review.
Often quickly, depending on your property details and underwriting.
Pick one you can comfortably pay without compromising cash flow.
Start a quote or speak with an advisor—either route works.