Buy the Best Home Insurance in Ontario from Aaxel Insurance Brokers Ltd.

Home Insurance

We all happen to harbor the very same emotions about our home whether it is a standalone house, attached residence, condominium, rental dwelling, or a grand, estate property worth several millions of dollars. For most of us, our abode is a culmination of our lifetime’s worth of hard work and sacrifice. This means that if there is a loss, it can be devastating enough.

Hence, when it comes to shopping for home insurance in Ontario, deciding on the means of purchasing coverage for your valuables is paramount and you must trust none other than an independent insurance broker. At Aaxel Insurance Brokers Ltd., we can design a perfect plan for all your habitation insurance requirements whether they are condominium, home, or tenants insurance.

Admittedly, having the right home insurance in Ontario at your disposal can offer you complete peace of mind.

Assume that your house is destroyed by fire or damaged by a natural disaster and you would then require a fortune to repair it or construct a new one entirely from scratch. When a guest in your home is injured liability protection may help pay expenses. Alternatively, for the sake of discussion, let us say that you are a victim of theft or vandalism, and it is homeowners insurance that can help pay your loss or compensate for the cost of necessary repairs.

Should your home be destroyed or severely damaged, failure to insure your property adequately can delay the processing of your claim and in some instances, result in insufficient funds being available to rebuild your home in its entirety.

In addition, the life of an average Canadian is often considered incomplete without sports. It is quite common for a significant number of people in Canada to own one or several sports equipment and this is the reason why we offer a wide array of affordable solutions for all of your beloved sports accessories.

Property Insurance Coverage

Since no two properties can be identical, it is critical to have the right protection for the kind you own. Sometimes called fire insurance, home insurance in Ontario is broadly grouped into the following market segments:

  • House owners
  • Condominium unit owners
  • Tenants
  • Owners of a cottage or seasonal residence

Depending on which of the aforementioned types of home insurance in Ontario you may require, Aaxel Insurance Brokers Ltd. will guide you through the coverage and help you zero in on the program that is best suited to your requirements.

Personal Liability for Bodily Injury and Property damage

It covers your liability if you are held accountable and helps you pay for the lawyer’s fees to defend you in a legal battle. For instance, when a guest in your home is injured liability protection may help pay expenses.

Dwelling Coverage

It covers against loss of your home from an insured peril, including though are not limited to fire, vandalism, and more.

Contents Coverage

It is covered under the homeowner’s policy and is usually a certain percentage of the dwelling limit, for instance, seventy percent. Coverage is provided on a worldwide basis. Articles like watches, jewelry, bicycles, etc. have sub-limits specified within the policy.

Items with a dollar value above a certain amount, for instance, jewelry items, such as diamond rings, bracelets, watches, etc. should be scheduled on the policy to insure them properly.


Outbuildings are covered and are usually a stipulated percentage of the dwelling limit.

Additional Living Expenses

When an insured property incurs a loss the insurer provides coverage for you to relocate to a temporary house and pays for the additional living expenses involved.

Sewer Back Coverage

It is an optional coverage though a crucial one nonetheless. Sewer back coverage covers against loss to contents and building in the event of a sewer backup.


Various kinds of coverage for overland, flood, or seepage are increasingly available these days from different insurance companies.

Additional Protection or Umbrella Policy

Personal Umbrella Policy

The policies you own for your automobile and home insurance in Ontario already offer basic liability protection. However, as your assets increase, so does your liability exposure. A personal umbrella policy can increase your liability coverage without a considerable increase in the premium price.

Why Opt for an Umbrella Policy?

Once the liability limits are exhausted on your home or auto policy, your umbrella policy takes over and provides an additional layer of liability protection, should you be sued and held accountable by the law for causing injury to someone else or damaging their respective property.

As the average size of the team of jurors has increased in the recent past, umbrella insurance has become far more indispensible than ever.

Best of all, the mean cost for this protection is less than a dollar a day. Contact us now to learn how you can protect yourself and your family from any unprecedented claim.

Rental Property

Whether your real-estate investments include a small unit in a high-rise condominium or a tri-family triplex, you will find our rental property programs are highly flexible and very competitively priced.

Rental income can be covered as well. As a property owner, you are particularly interested in making your rental property as profitable as possible. We can help you understand how a meticulously designed insurance plan can save you a significant sum of money.

Make sure you know what your risks truly are, what you are insured for, and above all, what you are not. When looking for the best home insurance in Ontario for your rental property, make sure that the broker you are dealing with has enough experience in the insurance industry, represents all established insurers, and possesses an extensive understanding of risk management techniques.

Leisure Insurance

You will find our leisure insurance programs truly unrivaled, competitive, and available for almost all of your leisure insurance requirements, including all-terrain vehicles, boats, yachts, motorcycles, snowmobiles, personal watercraft, cottages, trailers, motor homes, antique and collector automobiles, etc.

We can assure you that with Aaxel insurance Brokers Ltd. being your insurance consultant, you will receive expert guidance and unmatched assistance. We will arrange your coverage through top-notch insurers that are financially stable and are known for offering quality service.

Please feel free to call 866-358-2860 for any queries that you may have.

Property Claims

As a value-added service to our clients who purchased home insurance in Ontario from us, we have collaborated with DSB Claims Solutions for speediest claims handling. If you have experienced an after-hours property loss at your home, cottage, or business involving perils, such as fire, wind, or water, please contact below for immediate assistance:

Dara Banga,

President and Chief Adjusting Officer, DSB Claims Solutions

Landline: 866-856-6335

Mobile: 416-400-8933

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