Residential Insurance

Safeguard your home and belongings with our Residential Insurance. Enjoy peace of mind, knowing you’re protected against unforeseen events.

A family of three sits on the grass in front of a house with moving boxes nearby, their new haven secured by residential insurance. The mother and father smile warmly at their child, who is lying across their laps, enjoying a sunny day.
Blue house with two peaked roofs against a clear blue sky. The exterior features white-trimmed windows and horizontal siding. This modern architectural style not only showcases two sections but also emphasizes the need for robust residential insurance coverage.

Residential Insurance: Comprehensive protection for your home—stay covered against the unexpected

Residential insurance in Ontario varies by policy but can include coverage for fire, theft, water damage, liability, personal property, and additional living expenses. Whether you own or rent, Strong Roots Insurance Brokers Ltd. can help find the right protection for your home and belongings!

What We Cover

A silver fire hydrant stands proudly on a grassy patch by the sidewalk, its surroundings slightly blurred with trees and a fence under the sunny sky—a reassuring sight for those mindful of residential insurance concerns.

Fire

Protect your home and belongings from fire-related damage with comprehensive residential insurance coverage.

A gloved hand grips a crowbar, attempting to pry open a door. The door, secured with a metal handle, resists as the crowbar is wedged between the frame—a reminder of the importance of residential insurance for unexpected incidents.

Theft

Protect your home and personal belongings with residential theft insurance, ensuring coverage against burglary and unexpected losses.

A laundry room is flooded with water, partially submerging a washing machine and a pair of sneakers. A grey sweatshirt hangs above on a shelf, surrounded by the chaos. Thankfully, residential insurance can help cover unexpected damages like these—keeping your peace of mind intact.

Water Damage

Safeguard your home from costly repairs with residential water damage insurance, covering unexpected leaks, floods, and plumbing issues.

A person in a suit holds a model house, symbolizing the protective embrace of residential insurance. One hand cradles it below, while the other hovers above. The house is white with brown windows and a brown door, representing safety and shelter.

Liability

Protect yourself from unexpected legal and medical expenses with residential liability insurance, covering injuries or damages that occur on your property.

A silver house-shaped keychain, symbolizing residential insurance, is attached to a key in the door lock. The design features windows and a door, hinting at protection. The background is blurred, adding an air of mystery.

Personal Property

Ensure your valuables are protected with personal property residential insurance, covering loss or damage from theft, fire, and other unexpected events.

A collection of Canadian coins in a jar, featuring various denominations, much like the diverse options offered by residential insurance. Prominent coins include silver quarters with a caribou design and gold-colored one-dollar coins. Different designs and years are visible on the coins.

Additional Living Expenses

Stay financially secure if you're displaced from your home with additional living expenses residential insurance, covering temporary housing and essential costs during repairs.

Why Choose Strong Roots?

Discover the difference of partnering with a dedicated insurance company. Contact us today to discuss your insurance needs, and let us help you secure a brighter, more protected future.

A historic red brick building with a tall clock tower stands under a bright blue sky, embodying strong roots. Autumn trees surround the scene. In the foreground, theres a modern art sculpture and a planter with colorful flowers. People walk nearby.

Expertise

Our team’s in-depth knowledge of the insurance industry enables us to navigate complexities and find optimal solutions for your needs.

Personal Attention

 We treat each client with the utmost care and attention, ensuring that you feel valued and supported throughout your insurance journey.

Time Savings

Skip the time-consuming process of researching and comparing policies. We streamline the process, presenting you with the best options available.

Cost-Effective

Our ability to source competitive rates means you get the coverage you need at prices that fit your budget.

Long-Term Relationships

Beyond policies, we aim to build lasting relationships. We’re here not just for a transaction, but to provide ongoing support as your needs evolve.

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20+ years of building trust

Our clients trust Strong Roots

A woman in a white shirt and dark blazer is smiling while sitting at a table with two other people in an office setting. She appears to be engaged in conversation. The background features a light-colored brick wall.

Specialized Insurance Needs

Customized insurance solutions for unique scenarios (e.g., mobile homes, secondary properties).

We have your specialized Insurance needs covered
  • Tailored Coverage – Insurance for mobile homes, cottages, rentals, and unique properties.
  • Comprehensive Protection – Covers weather damage, theft, and liability for non-traditional homes.
  • Flexible Options – Customizable policies to fit your needs and budget.

FAQ

If your home is vacant for more than 30 days, your insurance may no longer cover:

  • Fire damage
  • Vandalism
  • Water damage from burst pipes

If you plan to leave your home empty, let us know! We can arrange a vacant home insurance policy or add endorsements to keep your property protected.

If you experience a loss, the payout you receive depends on how your policy is structured:

  • Replacement Cost: Pays for a brand-new version of the lost/damaged item. Example: Your 10-year-old roof is damaged in a storm, and insurance pays for a brand-new roof.
  • Actual Cash Value: Pays for the item’s depreciated value. Example: Your 10-year-old roof is damaged, and insurance only pays what it was worth after 10 years of wear and tear.

No policy covers every possible scenario. Most insurance policies have exclusions and limitations. For instance, standard home insurance may not cover flood damage or wear and tear. It’s crucial to ask about policy limitations and consider additional coverage where needed.