Whether you are a homeowner or a condo owner, home insurance is a must. Yes, even if you've paid off your mortgage, you need to have property insurance. But there's no such thing as standard home insurance policy.
That's where Begin Insurance can help. We can comb the market for home insurance products that provide extensive coverage and the best options, at the best possible rates. We can help you select the right coverage options and amounts to insure your property and personal belongings. We offer homeowner insurance and condo owner insurance, as well as rented dwellings and secondary homes.
Offers the best home insurance protection against most risks, covering both the building and contents with few exclusions.
An affordable home insurance option that protects against specific, listed risks, such as fire, theft, or water damage.
A mid-tier choice combining comprehensive coverage for your home’s structure and named perils for contents, an ideal balance of cost and protection.
Designed for homes with issues like outdated wiring or structural concerns, basic protection while you work toward qualifying for the best home insurance.
Offers affordable home insurance for renters, covering belongings and liability even though the landlord insures the building itself.
Covers your unit’s interior, upgrades, and personal items. A must-have if you want the best home insurance tailored to condo living.
Specialized and affordable home insurance for secondary homes or cottages, protecting against seasonal risks and limited access periods.
Home insurance covers the basics: your personal liability, your building and detached structures, your personal belongings and additional living expenses incurred after a claim while repairs are underway.
But do you need more? At Begin Insurance, we can also help you assess whether you should get:
These are the foundational protections included in most home insurance policies:
Protects your home's structure against covered risks like fire or vandalism.
Includes garages, sheds, and other structures on your property.
Covers furniture, clothing, electronics, and more, both at home and sometimes when you travel.
Pays for temporary housing and other costs if you're displaced during repairs.
Protects you if someone is injured on your property or if you accidentally damage someone else’s property.
Lets you claim repairs directly from your insurer when you're not at fault in a covered event.
These enhance your policy and can be tailored to your lifestyle or location:
Extra coverage for jewellery, art, furs, and rare collections beyond standard limits.
Adds protection for bikes, skis, golf gear, and other high-value equipment.
Covers flooding from rivers or heavy rain, not typically included in basic policies.
Protects against water damage caused by backed-up municipal sewers or sump pumps.
Provides extra personal liability coverage beyond standard policy limits.
Covers expenses related to identity recovery, including legal fees and credit monitoring.
Connect with one of our brokers via chat or phone to see what we have to offer. We’ll be happy to review your existing coverage and see how we can extend that coverage and help you save.
While home insurance policies offer protection against a wide range of risks, there are several exclusions you should be aware of. Understanding what’s not covered helps you avoid unexpected costs and consider add-on coverage where needed. A reliable home insurance company like Begin Insurance will always help you navigate these limitations and suggest the right protection for your needs.
Here are common exclusions in most standard home insurance policies:
Damage caused by aging, rust, corrosion, mould, or neglect isn’t covered, as maintenance is the homeowner's responsibility.
Most basic policies do not cover overland flooding from rivers, lakes, or heavy rainfall unless you've added specific flood coverage.
Water damage from a backed-up sewer line or sump pump isn’t covered unless you’ve purchased a sewer backup endorsement.
Damage from earth movements, like earthquakes, landslides, or sinkholes, typically requires a separate rider or policy.
Termite, rodent, or insect damage is seen as a preventable issue and is generally not insured.
Standard policies don’t cover damage to business equipment or liability from running a business at home without proper endorsements.
Losses that result from illegal acts or intentional damage by the homeowner are excluded from coverage.
Damage caused by war, terrorism, or nuclear incidents is universally excluded by insurers.
If your home is left vacant for more than a certain period (often 30–60 days), coverage could lapse unless you’ve arranged special terms.
At Begin Insurance, a trusted home insurance company, we make it simple to understand your policy and help you get the right coverage for true peace of mind.
When it comes to protecting your home, choosing the right partner makes all the difference. Begin Insurance stands out among home insurance brokers in Ontario by offering expert guidance, personalized service, and access to multiple carriers to help you find the most suitable coverage. As a trusted property insurance company, we focus on your specific needs, whether you're a first-time homeowner or looking to upgrade your policy. Our team of experienced advisors works with top insurers to deliver competitive quotes, clear policy comparisons, and ongoing support throughout your insurance journey.
As a homeowner insurance broker in Ontario, we don’t just sell policies; we help you understand them, ensuring you're protected against unexpected events like fire, theft, or liability. With Begin Insurance, you get the peace of mind that comes from working with professionals who put your home and budget first.
Purchasing a home insurance policy doesn’t have to be complicated. At Begin Insurance, we make the process simple, quick, and tailored to your needs. Follow these 7 easy steps to get your home insured with confidence:
Start by collecting details about your home, such as its size, age, construction type, heating system, and security features.
Think about what you want covered: the building, your personal belongings, liability, and any additional protection like flood or sewer backup coverage.
Use Begin Insurance to compare multiple home insurance quotes from top providers, so you can see which policy offers the best value.
Check if you qualify for discounts by bundling with auto insurance, installing security systems, or having a claims-free record.
Choose your deductible and add-ons like coverage for jewellery, home offices, or rental income protection to match your lifestyle.
Once you’ve selected your ideal home insurance policy, complete the application with accurate details.
Go through the final policy carefully. After confirming the details, make your payment and receive your coverage confirmation.
With Begin Insurance, buying a home insurance policy is transparent, efficient, and fully supported by expert brokers at every step.
Begin Insurance (and my broker Amanda) were a huge help; being a new arrival to Canada can make it daunting to find the right car insurance, but you're in very competent hands with this broker. Thanks for everything!
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"Got my new home and auto insurance quote from Thasan Kandasamy. New to Canada, he really helped me understand how the insurance system works here and went over each line item in the coverage in detail."
"Had wonderful experience of working with Neal. He is so easy to work with and helped me with every single step for switching my car and home insurance. Highly recommend him for his service."
"Ordered auto insurance with Kieran Edmunds, had a very positive experience. He was professional and quick and helped us out with all the issues we had. The final rate was very competitive, would recommend."
"Thank you very much to Hilary Lin ext. 307 and her exceptional customer service. Very pleasant and patient person who will explain and inform you. If you are looking to get insurance or just a quote, I cannot recommend her enough!"
"I am really satisfied with their service and so help full to get my new auto insurance with low cost to compare my old insurance, Hillary is my broker’s name she is amazing ,i am happy about her service."
"Stephanie Li provided me with very competitive home and auto insurance quotes. She was really patient and thorough in answering my questions regarding the fine print in the two policies prior to my signing up."
"The service I received from Kieran Edmunds was excellent. He was responsive to my emails and phone calls, and set me up with a policy within 3 days."
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