Home Insurance

Could you afford to lose everything?
Not many people can. Dick Agencies is here to protect your property and give you peace of mind. Whether you own or rent, we can tailor a policy to your individual needs. Homeowner’s policies provide coverage for your home, valued possessions and personal liability all in one convenient package while a tenant’s policy insures only your personal property with liability. Personal liability responds to claims made or actions brought against you for bodily injury or property damage arising out of your personal activities anywhere in the world.

Determining the value of your home is an important first step when choosing an insurance policy. Building costs have escalated sharply over the last few years. While this may or may not be reflected in resale values, it is an issue when a structure must be repaired or replaced at today’s prices. Different architectural details or unique building materials are considered when determining the rebuilding cost of your home. The value of your home may change over time. Have you recently remodelled or added an addition to your home such as a new sunroom? As your insurance broker we will complete a detailed rebuilding evaluator with you when you purchase your first policy and provide regular reviews to ensure your insured value is adequate.

All companies provide limited coverage on certain items. We will point out these limitations and recommend available options. Some items to consider are:

• Jewellery
• Watercraft
• Fine Arts
• Business Property including Tools
• Collections
• Bicycle
• Motorized Garden Equipment or Snow blowers
• Home Based Business

Additional coverage is also available for seasonal residences and rental properties.

Dick Agencies represents a number of the insurance industry’s most reputable companies. We believe variety and choice is key when selecting the right insurance policy for you. Insurance does not have to be an overwhelming and intimidating experience. Our insurance brokers will guide you through the decision making process.

Insurance Bureau of Canada Inventory software download:
www.knowyourstuff.org/ibc

Because we have taken the time to get to know you, we will recommend the best insurance policy for your individual needs.