Personal Insurance · Windsor-Essex
Home Insurance
Protection for your property, belongings, and liability — whether you own, rent, or somewhere in between.
Home insurance is for Windsor-Essex homeowners, including those with custom or high-value properties where standard dwelling and contents defaults may not reflect true replacement costs for finishes, collections, or outbuildings.
What's covered
Home insurance building blocks explained in plain language — what each part is meant to protect, and why it matters. Coverage, limits, and eligibility vary by insurer and policy.
Dwelling: Dwelling coverage is intended to respond to damage to the house itself — walls, roof, and permanently attached components such as built-in cabinetry — subject to insured perils, deductibles, limits, and policy terms. Replacement cost vs. actual cash value, reconstruction costs in your area, and outbuildings may all affect how dwelling limits should be set.
Dwelling
Dwelling coverage is intended to respond to damage to the house itself — walls, roof, and permanently attached components such as built-in cabinetry — subject to insured perils, deductibles, limits, and policy terms. Replacement cost vs. actual cash value, reconstruction costs in your area, and outbuildings may all affect how dwelling limits should be set.
Practical considerations
High-value and custom homes
Unique architecture, imported materials, and specialty rooms (wine cellars, home theatres) may need itemized schedules and higher limits. Document upgrades so dwelling and contents values stay current.
Scheduled valuables
Jewellery, art, and collectibles often carry sub-limits under standard policies. Scheduling high-value items separately can provide clearer protection.
Liability limits
Properties with pools, trampolines, or frequent entertaining may warrant higher personal liability limits or an umbrella policy.
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
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Your situation
Your property, belongings, or vehicle — and how you actually use them.
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Multiple insurance markets
Independent access to personal lines carriers — not one company's shelf.
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Premium broker
Windsor-Essex advice that explains options in plain language.
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Right-fit coverage
Coverage matched to your real risks — not a one-size template.
A lot to protect? Good thing we have options.
One policy is rarely the whole picture. Explore other personal coverage from Premium.
Home insurance FAQ
Straight answers to common home insurance questions.
It isn't legally required in Ontario if you own your home free and clear, but it's strongly recommended. If you have a mortgage, your lender typically requires home insurance until the loan is paid off.
Ready when you are
Ready to protect your home?
Tell us about your property — we'll compare options and explain what actually fits.