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Home Insurance

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Protect your home and everything in it with comprehensive Home Insurance.

What is Home Insurance?

Discrepancies are expected always even though we have positivity in abundance. In case of any theft, loss or damage to your home or property’s inside and outside, you can opt to protect your home with Home Insurance. It also helps to keep you covered on the additional living expenses like living in a hotel or renting a home, when you are temporarily unable to live in your home. It covers the following:

  • Coverage for damage or loss to your dwelling and other structures on your property.
  • Protection for your personal belongings in case of damage, theft, or loss.
  • Insurance for personal property that is stolen from your vehicle.
  • Liability coverage for damage or injury to visitors on your property.
  • Protection against accidental damage you may cause to someone else's property.

You have to note that Home Insurance is also referred to as property and casualty insurance which comprises even Car or Auto Insurance, Catastrophe or Natural Disaster Insurance and Business or Commercial Insurance.

Types of Home Insurance

There may be a combination of two types of coverages needed for Home Insurance. It’s like property and liability coverage. Get to know these two below :

Personal Property Coverage

This type of coverage protects you from loss or damage to your home or personal possessions or your car. All you need to do is make a list of your possessions and add information like cost of replacement, serial numbers, make of the item, model of the item, receipts for major items at your home and click pictures of your belongings. Now this helps you to make your insurance claim in the future.

Liability Coverage

If you become legally responsible for causing property damage or any injury through your property to someone else, you need liability coverage. It is designed to cover the costs associated with lawsuits or claims filed against the policyholder for damage or injury they caused like medical expenses, legal fees, and other costs.

Imagine if someone is injured due to your property, they will file a lawsuit against you and if you have liability coverage it will help you to cover the legal fees and damages awarded to the injured party up to the amount specified in the policy.

Product Highlights

Home Insurance Options

Dwelling Coverage

Home insurance provides coverage for the structure of your home, including repairs or rebuilding in the event of damage or destruction caused by covered perils such as fire, vandalism, or severe weather conditions.

Personal Property Coverage

Home insurance includes coverage for your personal belongings, such as furniture, appliances, electronics and clothing, in case they are damaged, stolen, or destroyed. This coverage helps you replace or repair your belongings, providing financial protection.

Liability Protection

Home insurance offers liability protection, covering you in the event someone is injured on your property or if you accidentally damage someone else's property. It helps protect you from legal claims and potential financial liabilities.

Additional Living Expenses

If your home becomes temporarily uninhabitable due to a covered event, home insurance typically covers additional living expenses. This coverage helps with the cost of temporary accommodation, meals and other necessary expenses while your home is being repaired.

Loss of Use Coverage

In the event your home is damaged and you cannot live in it, loss of use coverage helps cover the costs of alternative accommodations until your home is repaired or rebuilt. It provides peace of mind during the recovery process.

Optional Coverages

Home insurance policies often offer optional coverages that can be added to the basic policy to provide enhanced protection. These may include coverage for valuable items like jewelry or artwork, water damage, identity theft, or home office equipment.

Discounts and Savings

Home insurance providers often offer various discounts and savings opportunities. These may include discounts for having security systems, fire alarms, multiple policies with the same insurer, or a claims-free history. Taking advantage of these discounts can help reduce insurance premiums.

Responsive Claims Process

A key highlight of home insurance is a responsive and efficient claims process. Reputable insurers have a streamlined claim handling system, ensuring that policyholders receive prompt assistance and fair compensation in the event of a covered loss.

Deductible Options

Home insurance policies offer different deductible options, allowing policyholders to choose the amount they are willing to pay out of pocket before the insurance coverage kicks in. This flexibility helps customize the policy based on individual needs and budget.

Knowledgeable Customer Support

Home insurance providers offer customer support services to address policyholder inquiries, provide guidance on coverage options and assist with policy management. Access to knowledgeable customer support ensures a smooth insurance experience.


Benefits of Home Insurance

The key benefits of Home Insurance or Home Owner's Insurance are:

Natural Disaster Protection

Natural Disaster Protection

Be it any natural disaster like hurricanes, landslides, earthquake, fire, flood, tsunami's or ice storms, all these are covered under Home Insurance. When you have financial support even if you lose your possessions it is easy to recover.

Coverage For Personal Possessions

Coverage For Personal Possessions

Home insurance also covers your personal possessions such as jewelry, electronics, clothing, sports or hobby equipment and furniture. This can be particularly valuable if you have expensive or irreplaceable items in your home.

 Liability Coverage

Liability Coverage

Liability coverage is which shields you from legal responsibility in case you cause harm to other individuals or damage to their property. If you are found liable for such losses, liability coverage can help cover the costs of the damages or injuries, which could otherwise result in significant financial losses for you. Essentially, this type of insurance provides a safety net against the potentially devastating consequences of being held legally responsible for causing harm to others or their property.

Mortgage Requirement

Mortgage Requirement

If you have a mortgage on your home, your lender may require you to have home insurance. This is because the lender wants to protect their investment in your home.

Get Started

01 Step

Check Your Price

Our team of experts will assess your home insurance needs by gathering information about your propert

02 Step

Choose Your Policy

Explore insurance options and present you with different policy options from which you can choose.

03 Step

Finish Your Application

Assist you with the application process and provide ongoing support for any claims or policy changes.


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We at MyLegacy Insurance Services are made up of passionate individuals who are committed to helping North American families achieve financial freedom.