Home Insurance

In this day and age, regardless of whether you rent or own, your Home is likely to be one of your biggest assets and/or investments.

At Aaxel Insurance, we make sure your Home is adequately protected with homeowner’s insurance.

We will review your insurance needs and will recommend an insurance policy that meets your specific expectations at a reasonable cost from a network of our home insurance companies.

We will also get you all the possible discounts.

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Why Us? Because we offer a lot more than a policy.

Purchase your business insurance with ease at a very comparative rate plus ease of management.


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Frequently Asked Questions About Home Insurance

Get straight and simple answers to all your insurance frequently asked questions.

These FAQs were gathered from Canadian like you.

Home insurance covers you for the financial loss arising from an unforeseen claim. Some examples of such losses would be, water damage, vandalism and fire. Home insurance also covers you against legal actions arising from your personal actions or ownership of your property.

You need to buy home insurance at the time of purchase of your home, as most banks and mortgage companies will require home insurance before the closing. Even if you are mortgage-free, you should still obtainthe proper coverage immediately at the time of purchase of your home.

We know how important the place you call home is, which is why our brokers can recommend Home Owners Insurance policies that can be tailored to meet your individual needs and budget. Our extensive range of flexible policies covers many types of households and also covers loss or damage to your home, additional living expenses, temporary repairs and more.

If you combine your homewith your auto policy, you’ll be eligible for a multi-line discount, which reduces your rates. Discounts for higher deductibles, alarm systems and claim-free policies are also available.

Our great rates will save you money

Clients save money every year when they insure their home with us. We understand the value of having coverage that meets your needs and your budget, and we’ll work with you to offer coverage for your home at the best possible price.

Some factors that affect the cost of home insurance are:

  • - The location of your Home
  • - Claims history
  • - The deductible you select
  • - Upgrades and renovations
  • - The age of your roof

The price of home insurance depends on the type of insurance coverage you choose and the additional protection options that you may add on.

Several factors that affect the cost of property insurance are:

  • Location
  • Deductible
  • Contents
  • Type of heating source
  • Type of electrical distribution
  • Pipes
  • Age of roof
  • Claims history
  • Proximity to a fire hydrant or fire station
  • Upgrades and renovations

If you’re looking for cheap home insurance, ensure that you are still getting the coverage that you need. Some property insurance companies may also increase your deductible to give you a lower rate We recommend talking to your Aaxel broker about this.

Here are some ways that can reduce your house insurance premium:

  • Security such as a burglary alarm system
  • Smoke detectors
  • Bundle your home and auto insurance

At Aaxel Insurance, we make the process of purchasing Home Insurance an easy one. Simply, fill out our online quote form and then leave the rest to us. Our knowledgeable brokers will then search the marketplace for the best possible price available. We may require some additional information from you along the way, such as, but not limited to:

  • - The type of building (detached, semi or free-hold)
  • - The year your Home was built
  • - The square footage of your Home, excluding the basement
  • - If the basement is finished and how many square feet it is
  • - The type of material that covers the exterior of your Home (brick, vinyl siding, etc.)
  • - The material your roof is made of and the year it was last updated (asphalt shingles, steel, etc.)
Personal liability insurance is about financial protection – for you and your family. The personal liability coverage within your homeowner’s policy provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Dwelling coverage is the part of your homeowners insurance policy that helps pay to rebuild or repair your home and any attached structures—such as a garage, deck, or front porch—if they're damaged by a covered peril.
Contents coverage helps pay to replace or repair your personal belongings if they're stolen or damaged by a covered peril, such as a fire. So, if someone breaks into your home and steals your laptop, or your clothing and furniture are ruined in a fire, you may find that contents insurance helps cover the loss.
Outbuildings are separate structures used for a purpose incidental to the enjoyment of the dwelling/house (that is they are not attached to the dwelling/house), and may include structures such as sheds, garages or greenhouses.
Additional Living Expenses coverage is included in most home insurance, condo insurance, and tenant insurance policies. It can also be referred to as Extra Expenses After a Loss, but the intention is the same. To help cover out-of-pocket expenses when you have to leave home because of an insured peril or government-ordered evacuation
Sewer backup is an extension to your regular home, tenant or condo insurance policy, which will pay for damages to your home done by, well, the sewer system backing up.
Coverage for water damage caused by overflow of a lake or river, heavy rain or rapid snowmelt that enters your home from a point at or above ground level.

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At Aaxel, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.