Topic
Home insurance is one of the most crucial investments you can make as a property owner in Ontario.While it’s not legally required like auto insurance, it provides vital financial protection against unforeseen events such as fires,floods, theft, and natural disasters. In a province where weather conditions can range from harsh winters to heavy rainfall and overland flooding, the need for robust home insurance cannot be overstated.
Home insurance is one of the most crucial investments you can make as a property owner in Ontario.While it’s not legally required like auto insurance, it provides vital financial protection against unforeseen events such as fires,floods, theft, and natural disasters. In a province where weather conditions can range from harsh winters to heavy rainfall and overland flooding, the need for robust home insurance cannot be overstated.
Reith & Associates, with over 100 years of industry experience, understands the complexity of home insurance in Ontario. We simplify the process, shop the market on your behalf, and provide tailored, affordable, and flexible policies that fit your unique needs.
For many Ontarians, a home is their single largest asset. Without proper insurance, a catastrophic event could lead to financial ruin. Consider this: 82% of the prospective home insurance clients we quoted last year were under insured. A single fire or overland flood could have wiped out their savings and left them without shelter.
Home Insurance ensures you won’t face the full financial burden of rebuilding or repairing your property. It’s not just about replacing bricks and mortar—it’s about protecting your way of life.
Contrary to popular belief, not all insurance policies are created equal. The phrase "you get what you pay for" is particularly true in the world of home insurance.
Home insurance can take various forms,including
Ontario homes face unique risks, from overland flooding and snow melt to sewer backups. That’s why it's important to have more than just basic coverage. At Reith & Associates Insurance and Financial Services Limited,we offer options to upgrade your policy based on your location,lifestyle, and budget.
Whether you live in a flood-prone area, own an older property with aging plumbing, or have valuable belongings that require additional protection, our customizable plans ensure you're covered where it matters most. Optional add-on include overland water protection, sewer backup insurance, and enhanced contents coverage—giving you peace of mind no matter what the Ontario climate brings.
This level of customization allows you to protect not just your physical house, but also the life and assets you’ve built within it.
When you purchase a home insurance policy through Reith & Associates, you're not just buying coverage—you’re gaining a support system. We don’t disappear after the policy is issued.
We:
Our Broker/Advisors are registered with the Registered Insurance Brokers of Ontario (RIBO)and offer fair, impartial advice every step of the way.
Ontario is no stranger to climate-related risks, and many homeowners underestimate how vulnerable they truly are.
The right insurance gives you peace of mind knowing that even if the worst happens—a basement flood, fire,theft, or storm damage—you’re not alone.
With our mobile app and web-based portal, our team is available 24/7 to support you. You can get answers, file claims, or request changes at your convenience.
“We take the complexity out of shopping for house insurance—because we do the shopping for you.”
Home insurance in Ontario is not justa product—it’s a shield that protects your financial future,personal property, and peace of mind. Given the diverse risks facedby Ontario homeowners, settling for a cookie-cutter policy can costyou far more in the long run.
Contact us today at (519)631-3862 to get started onyour custom Ontario home insurance policy.
At Reith & Associates, we make iteasy. From understanding your needs to helping you file a claim,we’re with you every step of the way. Don’t leave your mostvaluable asset exposed.
1. Do I need home insurance in Ontario?
Yes. While it's not legally required,mortgage lenders typically mandate home insurance. It's essential for financial protection.
2. How is home insurance cost calculated?
Costs depend on property value,location, coverage type, past claims, and risk factors like flood zones or proximity to fire stations.
3. Is home insurance tax-free in Ontario?
Yes. Home insurance premiums are not subject to HST in Ontario.
4. What is not covered under standard home insurance?
Typical exclusions include damage from wear and tear, neglect, pest infestations, and certain natural disasters unless add-on are purchased.
5. Which company offers the best deal on bundled insurance in Ontario?
We work with multiple insurance providers to shop the market and find the best bundling deals for your home and auto coverage.
6. What if I live in a high-risk flood zone?
We offer overland water and sewer backup coverage to protect you. These are essential for homes in or near flood-prone areas.
7. How do I make a claim?
Our team is available 24/7 to guide you through the claims process. Contact us via phone, email, or our mobile app.
Latest
Since 1914, Reith & Associates has served St. Thomas and the surrounding communities as a marketplace where trusted advisors craft affordable solutions that protect the people and property that matter most to you. Passionate and dedicated to our family tradition of providing an exceptional client experience.
.png)
.png)
.png)
.png)
