What is Home 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.

What is contents Insurance?

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).

Why you need Home Insurance?

Unless you can afford to rebuild your home, replace your belongings, or cover the expenses of a lawsuit, home insurance can help you recover after a catastrophe. It helps ensure your long-term financial security. For example, if your home burns down in a fire, the cost of rebuilding and replacing your possessions could cost hundreds of thousands of dollars – or even more! Home insurance lessens the financial burden by helping you cover additional living costs, rebuilding or repairing your home, and replacing damaged belongings. Another example is a lawsuit. Your home insurance can help cover legal expenses if someone is injured on your property and decides to sue. Let’s say someone was in your home and tripped going down the stairs. They end up breaking an ankle and decide to sue you. Your home insurance could help cover your defence costs, as well as settlements and awards.

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.

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.

What does Content Insurance cover?

Generally, the following causes of damage are covered by content insurance: Fire Smoke Explosion Vandalism Theft Wind Hail Lightning 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.

What affects the cost of my Home Insurance?

Your home’s location. This determines how far you are from fire services, how far you are from risks such as bodies of water, the crime rate, and the severity and frequency of bad weather and natural disasters. Your coverage options. You choose your policy limits, add-on coverage, and deductible. These all contribute to your final home insurance costs. Your home and home’s systems ages, types, and construction. This can determine how likely it is that your home will be damaged. Damage prevention or detection systems. This can include backup valves, sump pumps, water alarms, burglar alarms, security cameras and lightings, and other systems which can help you prevent or detect damage. They can get you discounts on your home insurance. Your insurance history. How long you’ve been insured and your claims history impacts your homeowner insurance costs.

What to consider when getting Home Contents Insurance quotes?

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

Personal Cyber Insurance Brokers

Cyber insurance helps protect you financially if you’re the victim of cybercrime like online fraud, cyberattacks, cyber-extortion, cyberbullying and more.

We do everything online – banking, gaming, shopping, booking appointments, and socializing. Unfortunately, this has made the digital world a place of opportunity for criminals. Many Canadians fall victim to cyberattacks, cyber-extortion, data breaches and other types of online fraud and crimes every year. Cyber insurance is a new product to help you recover and protect you financially if you’re a victim of this type of event.

What is cyber insurance?

Cyber insurance is designed to help you prevent, mitigate and recover from cybercrime such as a cyberattack, data breach, or online fraud. It helps protect against financial loss if you are a victim of cybercrime by covering related expenses such as legal expenses, replacing fraudulent charges or stolen funds, extortion fees, and more.

How much does cyber insurance cost?

Cyber insurance is very affordable, starting at as little as $5 per month or $60 per year. Contact our cyber insurance brokers to discuss getting a quote with one of our providers. Or you can opt to buy online with our partner CyberBOXX (their rates start at $99 per year).

How does cyber insurance work?

Cyber insurance can be purchased as an add-on coverage to property insurance or as a separate standalone policy.

If you have a claim, the insurer works with you to help mitigate the damage, recover, and protect yourself financially. This may include:

Access to specialists who can help you protect or recover your identity, data, and money.
Repairing or replacing lost data, documents and electronic equipment.
Paying extortion or ransom fees.
Financial loss coverage for fraudulent charges, stolen funds, and lost salary.
Legal expenses.

Exactly what’s covered will depend on your individual policy. Our brokers can help explain your coverage and the difference between cyber insurance products offered by different insurers.

Why do I need personal cyber insurance?

Canadians lost over $231 million to fraud in 2021 and nearly half experienced a cyber security incident during the pandemic. If you ever use the internet, social media, email or connect to public wifi, you could be at risk. Cyber insurance doesn’t eliminate that risk, but it gives you peace of mind that you can recover any financial losses and have assistance recovering if you ever do fall victim to a cyberattack or online fraud.

Request a cyber insurance quote online, by phone, or in-person.

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Tips to Protect You and Your Family Online

While cyber insurance can help you recover from cybercrime, the best scenario is always to avoid falling victim to these criminals in the first place. Here are a few tips to protect you and your family online:

Use strong passwords.

The longer the password, the better. You should also include numbers, symbols and capitalization. Every account should have its own password (password managers can help manage this) and you should update important passwords every few months.

Use two-factor or multi-factor authentication where possible.

If an account lets you enable two-factor or multi-factor authentication, you should. Normally, a code is sent to your phone or email that you’ll need to enter; sometimes it’s biometric where you need to unlock your phone.

Ensure your wifi password is strong and monitor what’s connected.

There are many smart devices in our homes now – refrigerators, vacuums, thermostats and more. While this can be convenient, it can also be a risk. Cybercriminals can hack these devices and gain access to your home wifi network and personal information. Ensure your wifi is password protected with a strong password. You should monitor what devices are connected and consider having a second network for those smart devices to keep them separate.

Limit the personal information you share online.

Your birthdate, address, phone number, first car, and other seemingly innocuous information can be valuable in the hands of a cybercriminal. It’s best to keep as much information offline as possible.

Keep social media profiles private, regularly purge contacts and take advantage of security and privacy settings.

Personal social media profiles should be for people you know. It’s best to only accept requests from those you know in real life (and confirm before accepting if it’s them). Keeping your profiles private with maximized security and privacy is the best way to protect your information from criminals. Unfortunately, they can use information found on profiles to better target you and defraud you.

Don’t click on any link or open any file without checking who it’s from and the URL.

Unfortunately, cybercriminals are great at tricking us into clicking bad links on emails. They often come across as urgent and will pretend to be our boss, family member, friend or even a company we’ve purchased from. Before clicking or downloading anything, always double check the send address and what the URL is. Call the person or company (with a phone number from their website, not the email) to verify.

Stay aware of common cyber threats and scams – and educate your family members!

Education helps prevent you and your family from falling victim to cybercriminals and online scams.

We have more tips to help you secure your devices and protect your family from cybercrime here:

Unfortunately, even the most cautious and informed person can fall victim to a cyberattack or online scam. That’s where cyber insurance can help. Please contact us today to learn more about this coverage or get a quote online here.

Cyber Insurance