Personal Insurance

High-value and luxury homes often require coverage beyond what is provided by a standard home insurance policy. These properties may have custom construction, premium finishes, valuable contents, higher rebuilding costs, or unique features that require specialized protection.

We can help arrange enhanced coverage limits and insurance solutions designed for higher-value homes and their contents.

A condominium corporation’s insurance generally protects the building and common areas, but it may not fully cover your individual unit, personal belongings, upgrades, or personal liability.

Condo insurance can help protect your contents, unit improvements, additional living expenses, and certain costs that may be charged back to you by the condominium corporation following an insured loss.

Tenant insurance provides affordable protection for renters. It can help cover your furniture, electronics, clothing, and other personal belongings, while also providing personal liability coverage and additional living expenses following an insured loss.

Even when a landlord insures the building, the landlord’s policy does not normally protect a tenant’s personal property or personal liability.

Vacant properties can present risks that may not be covered under a standard home insurance policy. A property may become vacant during a move, estate settlement, extended renovation, sale, or other transition.

True North Insurance can help identify specialized insurance options for vacant homes, including coverage tailored to the length and circumstances of the vacancy.

Some homes can be more difficult to insure because of their age, construction, location, claims history, condition, heating system, electrical system, or other risk factors.

Our brokers can explore coverage through a broad network of insurers and specialty markets to help find practical solutions for older homes, rural properties, properties with previous claims, and other unique situations.

Major renovations can change the value, occupancy, and risk profile of a property. Standard home insurance may not provide adequate protection while substantial construction or structural work is underway.

Insurance for homes under renovation can help protect the existing structure, construction materials, improvements, and liability exposures during the renovation process.

Cottages, cabins, vacation homes, and seasonal residences have different risks from primary homes, especially when they are unoccupied for extended periods or located in rural and waterfront areas.

We can help arrange seasonal property insurance for cottages and secondary residences across Ontario, with coverage options based on how the property is built, used, heated, maintained, and accessed.

Combining home and auto insurance with the same provider can make your policies easier to manage and may qualify you for multi-policy discounts.

Our brokers can compare bundled and separate insurance options to determine which approach offers the most suitable combination of coverage, service, and price.

Standard home insurance policies may place limits on coverage for jewellery, watches, fine art, collectibles, and other valuable belongings.

Scheduled personal property coverage can provide broader protection and higher limits for specifically listed items. Appraisals or supporting documentation may be required, depending on the item and insurer.

A standard home insurance policy may provide limited or no coverage for business equipment, inventory, customers visiting your home, professional activities, or business-related liability.

Home-based business insurance can help protect your workspace, equipment, supplies, income, and liability exposures. Coverage can be tailored to the type and scale of business you operate from your home.

Personal umbrella insurance provides an additional layer of liability protection above the limits of eligible home, auto, boat, or other underlying insurance policies.

This coverage may be appropriate for individuals and families who want higher liability limits because of their assets, lifestyle, property ownership, travel, recreational activities, or other potential exposures.

Drivers with multiple tickets, at-fault accidents, licence suspensions, payment issues, policy cancellations, or gaps in insurance may have difficulty obtaining coverage through standard insurance markets.

True North Insurance can explore high-risk and non-standard auto insurance options and help you understand the steps that may improve your eligibility and insurance costs over time.

Classic, antique, collector, and specialty vehicles often require insurance designed around their unique value and limited use.

Specialized classic car insurance may offer agreed-value coverage, flexible usage provisions, and protection suited to vehicles that are preserved, displayed, restored, or driven seasonally.

Bundling your home and auto insurance may provide cost savings, simplified billing, and the convenience of keeping multiple policies with one insurer.

We can compare available package discounts while also reviewing the coverage provided under each policy, helping ensure that price is considered alongside the quality and suitability of the protection.

Insurance for rented houses and condominium units is designed for properties occupied by long-term tenants.

Coverage may include the building or unit, landlord-owned appliances and furnishings, rental income, and legal liability. Requirements can vary depending on the property type, tenancy arrangement, and ownership structure.

Short-term rentals can create risks that may not be covered under a standard home or landlord insurance policy.

Specialized short-term rental insurance can help address frequent guest turnover, property damage, liability claims, lost rental income, and other exposures associated with platforms such as Airbnb and similar services.

Student rental properties may have higher occupancy, more frequent tenant turnover, shared living arrangements, and additional property management considerations.

Insurance for student rentals can be tailored to the building, number of occupants, lease structure, property condition, and other factors associated with this type of rental housing.

Rental properties held in a corporation, numbered company, partnership, or other business structure may require an insurance policy designed for that ownership arrangement.

Our brokers can help review the property, named insureds, occupancy, liability exposures, and coverage requirements so the insurance is structured appropriately.

Where available and subject to policy conditions, guaranteed replacement cost coverage can help pay the cost of rebuilding an insured property even when that cost exceeds the stated dwelling limit.

Eligibility typically depends on factors such as accurate property information, approved valuations, appropriate insurance limits, and compliance with the insurer’s requirements.

Personal watercraft insurance provides specialized protection for Sea-Doos, Jet Skis, WaveRunners, and similar motorized watercraft. Coverage can help protect against physical damage, theft, liability claims, and injuries involving riders or others on the water. Policies can be tailored to the type of watercraft, how it is used, where it is stored, and who is permitted to operate it.

Recreational watercraft insurance can help protect a wide range of non-commercial watercraft used for leisure, sport, and seasonal enjoyment. Depending on the vessel and insurer, coverage may be available for canoes, kayaks, paddleboards, small fishing boats, inflatables, and other recreational equipment. Our brokers can help determine whether these items are covered under an existing home or cottage policy or require separate protection.

Whole life insurance is a form of permanent insurance designed to remain in place for the insured person’s lifetime, provided the required premiums are paid.

Policies may include guaranteed premiums, a guaranteed death benefit, and a cash value component. Whole life insurance may be used for long-term estate planning, final expenses, legacy planning, and other permanent insurance needs.

Permanent life insurance provides lifelong protection and may include options for cash value accumulation, investment components, flexible premiums, or estate planning.

Because permanent insurance products vary considerably, our brokers can help explain the differences and determine whether this type of coverage is appropriate for your objectives.

Critical illness insurance provides a lump-sum benefit when the insured person is diagnosed with a covered condition and meets the requirements of the policy.

The benefit can be used for expenses such as mortgage payments, household costs, travel for treatment, private care, business obligations, or time away from work. It can provide financial flexibility while you focus on recovery.

Disability insurance can help replace a portion of your income when an illness or injury prevents you from working.

For many working individuals, the ability to earn an income is one of their most valuable financial assets. Disability coverage can help support ongoing expenses such as housing, food, utilities, debt payments, and family needs during an extended absence from work.