Home Insurance – GO WESTERN
Whether you live in a house, a condo or an apartment, protecting the place you call “home” is key to your security and peace-of-mind. If you do not have a comprehensive home insurance plan, a single event – a fire, a break-in or an accident - puts everything you’ve worked so hard for at risk.
Western Direct Insurance will help you protect yourself, your family, and your assets with a customized home insurance plan that works with your lifestyle and budget.
|I own my house
||I own my condo||I rent my home
Owning your home is a wonderful investment for a stable and more financially secure future. Homeowners’ insurance is the best way to protect that investment and all your cherished belongings: your home, your personal effects and even your financial future.
While condo corporations carry their own insurance, your personal possessions like furniture, computers and other electronics and valuables are not covered, nor are any upgrades you make to your home. We can help you with a Condo Owners policy that can also cover you for liability for injuries to visitors to your home, or for damage you may accidentally cause to a neighbour’s property.
While your landlord insures the building you live in, that insurance does not cover your personal possessions in the event of a fire or theft. It also leaves you unprotected in the event of a liability lawsuit. Western Direct Insurance offers policies specifically for renters.
Are you a first-time homeowner?
If you’re a new homeowner, first of all: congratulations. You’ve made an important investment in your future. Homeownership is the foundation on which you can build your family’s long-term wealth and security.
Of course, now it is vital that you protect your investment. If you’re unfamiliar with homeowner insurance, the simplest way to understand your options is to speak directly with a licensed Western Direct insurance agent.
We are experts at designing coverage that will protect your home from both common and lesser-known risks. Our agents will explain all aspects of home insurance coverage to you and answer all your questions in a friendly, helpful manner.
Call 1 855 674-6338 and speak to a licensed home insurance agent today.
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Insure both your home and car with us and you could qualify for 5% off the base premium of your home insurance.
What key elements affect my quote?
Like all insurance rates, the cost of your home insurance depends on a number of different factors. Insurers analyze these risk factors and figure out how likely it is that you or someone with similar circumstances will make a claim and the likely cost of that claim.
The following are some of the factors that typically affect what you will pay for your home insurance.
Replacement cost. The factor that makes the biggest difference is simply the size of your house. The larger the house and the more stuff you keep inside the more it will cost to replace. Insurers will also consider the quality of the construction used to build your home.
Heating. Insurers will ask you lots of questions about the style of heating in your home. Oil tanks have the potential for causing environmental hazards, where as there is far less risk involved with forced-air gas furnaces or electric heat.
Electricity. There are several factors involving electricity that your insurer will ask you about, including if you have breakers or fuses, what the flow of electricity is, and what kind of wiring you have. Different types of electricity offer different risks and will affect your insurance rate.
Wood stoves. Wood stoves are a common source of fires and carbon-monoxide poisoning, having one will affect your rate.
Other uses of your home. Insurers will want to know if you have built or are planning to build a rental apartment into your home; begin operating a business there; or make any other significant alterations to the home.
Call 1-855-674-6338 to speak to one of our licensed home insurance professionals today.