Get the Best Home and Content Insurance Coverage with Rogers Insurance
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If you’re looking for the best home and content insurance, you don’t need to look any further than Rogers Insurance. We offer the best home and content insurance because we’re one of Canada’s largest independent insurance brokers. That means that we work with a large number of home and contents insurance providers, giving you true competition and choice with your home and contents insurance quotes.
We’ve been the trusted insurance brokerage for homes and contents since 1977. We provide unparalleled customer service and our insurance brokers are knowledgeable, experienced, and focus on finding you the best home and contents insurance possible.
Want a home contents insurance quote? Request a quote online, by phone, or in person.
What is Home and Contents Insurance?
This can actually be broken up into two separate coverages:
- Home insurance (which includes house and content insurance)
- Content insurance, also known as home contents insurance, renter insurance, tenant insurance, or condo insurance
Home insurance includes content insurance coverage. Your home’s structure and your personal belongings, appliances, fixtures, furniture, and anything else within your home is covered from a number of causes of damage up to your policy limit. Your policy options determine the extent of your coverage. An insurance broker can help you figure out the amount and type of coverage you need.
Content insurance refers to the protection of your personal belongings, including any furniture and fixtures that you own. It is also known as home contents insurance. Generally, the insurance terminology is a renter or tenant or condo insurance policy (depending on if you rent or own a condo).
Contents insurance only covers your personal belongings because a master condo policy will only cover the structure and common areas, while a landlord’s insurance policy will only cover the structure and anything belonging to the landlord. If you didn’t have home contents insurance, you’d be out of luck.
Why Do I Need Home Contents Insurance?
If you rent or own a condo, you need home contents insurance. As a renter, your landlord’s insurance will not protect any of your belongings. If you own a condo, the condo master policy will similarly only cover the structure of your condo – your furniture, clothing, and other items will not be protected. You’re also not covered when it comes to liability.
What does this all mean?
It means that you’d be financially responsible for repairing or replacing all of your personal belongings if there was a fire. It also means that you’d be paying out of pocket if someone slipped in your apartment, broker their wrist, and then sued you for damages.
But with content insurance, your personal belongings and liability would be covered for a wide variety of scenarios. Convinced? Our Rogers Insurance brokers can provide competitive content insurance quotes and help you make the right choice.
What does content insurance cover?
The best home contents insurance covers your personal property and liability. This includes repairing or replacing your belongings if they are damaged or destroyed by a covered peril such as a fire. As for your liability, your legal expenses can be covered if someone has their property damaged or suffers an injury while visiting your home.
Content insurance also covers additional living expenses in the event of a mandatory evacuation or an insured claim. This means that in certain situations where you’re forced to temporarily relocate from your home, the additional expenses you incur can be covered. This includes the difference in accommodation, transportation and food costs, up to your policy limit.
Generally, the following causes of damage are covered by content insurance:
- Water damage – as an optional add-on for sewer backup and overland water
- Earthquake – as an optional add-on, often with a separate deductible
Many content insurance providers offer optional coverages to extend your protection or have special benefits.
Your home contents insurance options don’t stop there. You’ll also need to choose the following:
- Policy Limits (the maximum amount your content insurance will pay out in the event of a claim)
- Deductible (the amount you pay when you have a covered claim before your insurance kicks in)
- Replacement cost versus actual cash value (the way your contents are valued and how a covered claim will pay out)
Your policy limit should be high enough to allow you to protect all of your personal belongings. For example, $30,000 may be enough if it’s just you and some Ikea furniture in a rental unit. However, if you’re a family of 5 renting a higher-end house, this isn’t nearly enough.
Your deductible impacts your content insurance premiums. The lower your deductible, the higher your insurance rates.
The decision between replacement cost and actual cash value also impacts your insurance premiums. Replacement cost values items as if you were buying a new one of similar kind and quality today. Actual cash value values items at market value today. For example, if a fire destroyed your television you originally paid $4000 for, replacement cost would give you enough to get a television of equivalent features today, whereas actual cash value will give you what the television would be worth on the market today (purchase price minus depreciation).
If this is a bit confusing, don’t worry. A Rogers Insurance broker can help you figure out what you need. They’re insurance experts and can help you understand your home contents insurance. Quotes are just one part of the services provided by an insurance broker.
What to Consider When Getting Home Contents Insurance Quotes
A home and content insurance quote is best found by an insurance broker as they can do the price shopping and research for you.
Here’s what can impact your home contents insurance quote prices and premiums:
- Your insurance history (how long you’ve been consistently insured and your payment track record, especially)
- Your claims history (how many claims you’ve made)
- Your credit rating (some insurers give a discount if you allow a credit check)
- Your coverage options, including your deductible
- Where you live:
- the distance from fire services
- frequency and severity of bad weather or natural disasters
- crime rates
- the claim frequency of your neighbourhood
- distance from risks such as rivers
You can also be eligible for discounts for your home and contents insurance if you’re claims-free or if you bundle all of your insurance with one insurance company. Your Rogers Insurance broker is your best resource on content insurance discounts and how to lower your premiums. Fortunately, home contents insurance is typically very affordable.
Why Choose Rogers Insurance for Your Home and Contents Insurance?
As one of the largest independent insurance brokerages in Canada, Rogers Insurance has been trusted by many Canadians with home and content insurance since 1977. We work with many different insurance companies to offer you competitive home contents insurance quotes and the best choice in coverage. Our insurance brokers have the expertise to help you get the coverage you need and are here to answer your questions and advocate for you if you have a claim. We believe in a hands-on, human approach to insurance – it’s one of many reasons our customers have been so happy with our service over the past few decades.
Let us help find you the best insurance solution for your home. Get a home and contents insurance quote with Rogers Insurance today. Request a content insurance quote online, by phone, or stop by to see us in person.
Who We Have Helped
When real life happens
A metal recycling company in Calgary suffered a major fire loss on their premises involving scrap metal, where the piles of metal heated and self-combusted, starting a huge fire. When they were told what happened was not insurable, Rogers’ own David Chiu stepped in and hired a fire investigator.
Account Executive: David Chiu