Home Insurance

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Product Info

Pickering Home Insurance

Whether you are blindsided by a sudden rainstorm, or your new puppy chews a hole in your couch, wondering if you’re covered should not be the first question that comes to mind.  Let’s face it, you're busy and despite your best intentions to better understand your policy, it is one of the many things that you never manage to get to.  The philosophy of the licensed insurance brokers at First Durham Insurance & Financial Ltd. is to make sure that you have what you need.  More importantly, we will take the time to help simplify your policy so that you understand what you have purchased, you don’t have to become an insurance expert.

Whether you are looking for homeowners insurance in Pickering, Ajax or anywhere else in the Durham Region look no further as you have come to the right place.  We have been arranging coverage for residents of Durham Region since 1945.  And while we don’t do business like it’s 1945 anymore, our goal has remained the same, to help our clients get the right protection at the right price.

What Determines Your Property Insurance Premium?

Determining the factors that establish the price you pay is fairly straightforward. The most important is the replacement cost of your home, however there’s more to it than that. How close you are to a fire hydrant and past claims can also have an significant impact on your premium.  Unless you are prepared to move, some of these things may not be entirely in your control. So what are the things you can do to help reduce your insurance costs?  If you’re thinking about renovating, choose projects that will also help you save on home insurance such as replacing your shingles or buying a new water heater. Want to learn more about things you can do to reduce your premiums? Call or click to get a quote. 

Product Info

Pickering Home Insurance

Pickering Home Insurance

Whether you are blindsided by a sudden rainstorm, or your new puppy chews a hole in your couch, wondering if you’re covered should not be the first question that comes to mind.  Let’s face it, you're busy and despite your best intentions to better understand your policy, it is one of the many things that you never manage to get to.  The philosophy of the licensed insurance brokers at First Durham Insurance & Financial Ltd. is to make sure that you have what you need.  More importantly, we will take the time to help simplify your policy so that you understand what you have purchased, you don’t have to become an insurance expert.

Whether you are looking for homeowners insurance in Pickering, Ajax or anywhere else in the Durham Region look no further as you have come to the right place.  We have been arranging coverage for residents of Durham Region since 1945.  And while we don’t do business like it’s 1945 anymore, our goal has remained the same, to help our clients get the right protection at the right price.

Property Insurance Premium

What Determines Your Property Insurance Premium?

Determining the factors that establish the price you pay is fairly straightforward. The most important is the replacement cost of your home, however there’s more to it than that. How close you are to a fire hydrant and past claims can also have an significant impact on your premium.  Unless you are prepared to move, some of these things may not be entirely in your control. So what are the things you can do to help reduce your insurance costs?  If you’re thinking about renovating, choose projects that will also help you save on home insurance such as replacing your shingles or buying a new water heater. Want to learn more about things you can do to reduce your premiums? Call or click to get a quote. 

Discounts

Maximize Discounts

All insurance companies offer discounts, but did you know that these discounts can be bundled to reduce your premium by up to 50%! There’s more to discounts than bundling auto and home policies. Some carriers offer discounts for those that have new water heaters, unfinished basements or for being a new customer.  All insurance companies offer different bundles depending on the clients they want, determining who may be the right fit for you might require looking at a few options.  That’s where we come in.  Taking just a few moments to speak with one of our licensed experts can save you a lot of time and perhaps a lot of money.  Call or click to get a quote. 

Customized Protection

Water Coverage

In Canada, weather events that used to occur every 40 years are now happening every 6.  Every summer communities are experiencing more and more intense rainfalls.  Did you know that almost $0.70 cents of every $1 paid out in claims goes towards paying for water damage?  More concerning is the fact that majority of insurance companies don’t offer broad enough water coverage, especially for severe flooding.  It’s too late to learn that you are not covered when you have 2 feet of water in your basement.  Ask yourself, has my insurance company clearly explained my water coverage to me? If not, maybe it’s time to find a new provider.  Call or click to get a quote. 

Perfect Fit

When you bought your first home or rented your first apartment, you probably only required basic coverage for property insurance.  Admittedly, most insurance companies do basic very well.  But as you grow professionally so do the assets in your home, unless you have made some sort of change to your policy, it is likely that you still have that same basic coverage.  Outlining what you need in 200 words on a website would be impossible because what you require is so individual to you. Taking a few moments to connect with one of our experts can ensure that you have policy tailored to your needs at a price you can afford.  Call or click to get a quote. 

As Your Life Evolves, So Should Your Coverage

Life’s a journey and lets face it over time priorities change. Whether you are purchasing your first home, outgrown your old one or maybe even looking to downsize, you know that each of these likely requires some attention as to the type of coverage you purchase. As well, as we settle in, have a family, we may acquire new belongings.  Perhaps you have started a home based business to be closer to the kids, bought that beautiful piece of jewelry for your anniversary, or maybe even splurged and bought some toys for the cottage. The question is, has your coverage kept up?  Has your carrier checked in with you to make sure that your policy has evolved with your journey?   If not, maybe it’s time to give us a call and see how we can put something in place that will grow with you throughout your life’s journey.

Have a Claim, Who’s In Your Corner?

Buying a policy is the easy part, but choosing who to deal with should take a little more thought.  Let’s face it, you’re too busy to become an expert, and that’s where we come in. As an insurance broker, we work for you, not for an insurance company.   We take the time up front to know you and what it is you need.  From there, we arrange the right coverage for you striking a balance between coverage and cost.  In the event of a claim, because we work for you, we are there in your corner, making sure the insurance company is delivering on the promise they made to you.  In the event your claim gets complicated, we have a broad network of well-respected specialists in the Claims, Legal and Engineering fields ready to help support your claim through the entire process, maximizing your recovery. Call us or get a quote today!

Customized Protection

Water Coverage

Water Coverage

In Canada, weather events that used to occur every 40 years are now happening every 6.  Every summer communities are experiencing more and more intense rainfalls.  Did you know that almost $0.70 cents of every $1 paid out in claims goes towards paying for water damage?  More concerning is the fact that majority of insurance companies don’t offer broad enough water coverage, especially for severe flooding.  It’s too late to learn that you are not covered when you have 2 feet of water in your basement.  Ask yourself, has my insurance company clearly explained my water coverage to me? If not, maybe it’s time to find a new provider.  Call or click to get a quote. 

Perfect Fit

Perfect Fit

When you bought your first home or rented your first apartment, you probably only required basic coverage for property insurance.  Admittedly, most insurance companies do basic very well.  But as you grow professionally so do the assets in your home, unless you have made some sort of change to your policy, it is likely that you still have that same basic coverage.  Outlining what you need in 200 words on a website would be impossible because what you require is so individual to you. Taking a few moments to connect with one of our experts can ensure that you have policy tailored to your needs at a price you can afford.  Call or click to get a quote. 

Life Evolves

As Your Life Evolves, So Should Your Coverage

Life’s a journey and lets face it over time priorities change. Whether you are purchasing your first home, outgrown your old one or maybe even looking to downsize, you know that each of these likely requires some attention as to the type of coverage you purchase. As well, as we settle in, have a family, we may acquire new belongings.  Perhaps you have started a home based business to be closer to the kids, bought that beautiful piece of jewelry for your anniversary, or maybe even splurged and bought some toys for the cottage. The question is, has your coverage kept up?  Has your carrier checked in with you to make sure that your policy has evolved with your journey?   If not, maybe it’s time to give us a call and see how we can put something in place that will grow with you throughout your life’s journey.

In Your Corner

Have a Claim, Who’s In Your Corner?

Buying a policy is the easy part, but choosing who to deal with should take a little more thought.  Let’s face it, you’re too busy to become an expert, and that’s where we come in. As an insurance broker, we work for you, not for an insurance company.   We take the time up front to know you and what it is you need.  From there, we arrange the right coverage for you striking a balance between coverage and cost.  In the event of a claim, because we work for you, we are there in your corner, making sure the insurance company is delivering on the promise they made to you.  In the event your claim gets complicated, we have a broad network of well-respected specialists in the Claims, Legal and Engineering fields ready to help support your claim through the entire process, maximizing your recovery. Call us or get a quote today!

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