Free Home Insurance Quotes: Personalized, Quality Home Protection and Insurance Rates

Thanks to Excel, I now have home insurance that actually covers my place if my sewer backs up.
Terry, Home Insurance Client
Getting a home insurance quote from Excel was easy – and it happened quickly after I sent them a text message.
Mike, Home & Auto Insurance Client

I need a home insurance quote. Where do I start?

Home Insurance

Quick, free home insurance quotes online or via text message through Excel Insurance Group

Condo Insurance

Get a free condo insurance quote online through Excel Insurance Group. It

Tentant Insurance

Get a tenant home insurance quote quickly and for free online via Excel Insurance Group

Rented Dwellings

Get landlord insurance for any home or apartment you rent to tenants for extra income. Get a rented dwelling insurance quote quickly online via Excel Insurance Group.

Seasonal Homes

Get a cottage or cabin insurance quote for free and quickly via Excel Insurance Group Online.
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Excel helped me to really add up the value of my belongings to make sure that I had enough insurance to cover the replacement of my things as well as my home, were I to lose everything.
Alison, Home Insurance Client
My Excel Insurance Broker was able to see that I didn’t have enough condo insurance to cover a loss were I to start a fire that burnt down the building. Something scary turned into something relieving.
Ali, Condo Insurance Client
I’m really happy to recommend Excel. Every year I get the best home insurance rates and they stay on top of their game.
Jeff, Home & Auto Insurance Client

I Have a Few Questions About Home Insurance

Generally speaking, home insurance primarily offers protection against loss to/of your home, as well as your personal belongings. It protects the investment you have in your home and in all of your things at home.
There are several types of insurance you can get for your home(s). The types(s) you need will depend largely on whether or not you own or rent your home, if you are landlord and rent to tenants, if you have a condo and are also liable for common areas, or even whether or not you have a cabin or a cottage. Your home insurance quote can be tailored to your specific needs and, like with all insurance, should be completely personalized for your particular situation.
Your automobile insurance policy is not included in your home insurance policy. When we prepare a home insurance quote, we can often source additional discounts if we prepare both a home and automobile insurance quote, when and if available.

Under your home insurance policy, there are some replacement parts and components of an automobile that may be included as contents of your personal garage, were you to experience a loss.

So many different things can be covered under you home insurance policy and we happy to help you go through it all when you we provide you with an home insurance quote. Different insurance coverages include:

  • Replacement coverage or coverage for repairs to your home as a result of insured losses [ex. Sewer back ups, hail and wind damages (including tornados), fires, vandalism]
  • Contents coverages (personal belongings)
  • Additional living expenses (coverage to stay in hotels etc should your home be uninhabitable after a loss)
  • Replacement coverage for detached structures (sheds, fences, gazebos etc.)
  • Coverage for high valued items may be purchased (expensive jewellery, watches, fine arts & collectables, musical instruments etc.)
  • Worldwide liability coverages (coverage to protect you legally in the event you are deemed negligent in an event. Some examples could be found in you riding a bicycle and then accidentally run into an automobile and cause damage. Another might be if you fail to shovel/sand your walkways and someone slips and is injures themselves. Another might be if your dog bites someone (etc.).
  • Coverage may be purchased (where offered) for residential health care
  • Voluntary medical and property damage. If someone or their personal property kept at your home, is injured or damaged, through no fault or negligence on your part, you may voluntarily use your insurance to assist in paying costs for medical attention or repair/replacement of the property that was damaged
  • Identity theft coverage (covers the costs associated with proving your identity, replacement of identification cards, loss of wages, court and lawyer fees etc.)
  • Automatic (limited) coverage for small boats, furnishings of, their equipment & motors
  • Bylaws coverage is often included. In the event laws have changed in the area when your home was built, and your home has to be altered in the rebuild to meet the new regulations/requirements, resulting in an increase in costs, this coveage will assist
  • Garden tractors are automatically covered
  • Utility trailers are automatically covered
  • Business property kept at your residence can be insured with additional coverage purchased
  • Fair rental value is offered on rental policies for landlords
  • Personal property while stored in a warehouse (for a specified number of days agreed upon with the company)
  • Coverage for landscaping (with limitations based on the specified companies)
Yes. The liability coverage in place through your home insurance policy will protect you in a variety of other events. If you aren’t sure, feel free to clarify with your Excel Insurance Broker.

Some examples of inclusions are the following:

  • A hotel room you rent and its property are protected through your policy from damages resulting from your negligence (ex. you leave your dog alone and he chews the bed posts). This is offered worldwide.
  • Identity theft and the costs associated with proving who you are, as well as the costs of replacement id, lost wages etc. are also covered.

You can check the specific amounts of losses covered directly with your Excel Insurance Broker.

Yes. Your landlord’s insurance only covers the landlord’s liability, the building of which you are renting, and a minimal amount of contents that belong to him (ex. Appliances).
You will need to purchase renters/tenants insurance policy to provide yourself with liability coverage and replacement coverage for your own personal belongings were there to be some kind of event causing loss.
Yes. Condo associations usually carry policies that have a large deductible amount that is generally divided amongst each condo owner. Sometimes, these deductibles are in the amount of $10,000 per unit owned or more, depending on the size of the overall deductible that must be divided amongst the total number of unit owners. A condo policy will include this as a portion of the coverage provided.

A Policy of your own is also required to replace your belongings, as well as provide yourself with liability protection in the event of your negligence, or that of any of your guests (ex. Your guest puts a cigarette out in a planter, and burns down the building).

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If Home is Where the Heart is, I Want Personalized Protection

Home Insurance should be clear… and you need protection in all the right places.

Everybody that owns or rents a home needs to have some kind of insurance protection. Home Insurance protection varies depending on the type you need or want. But what is homeowners insurance? Homeowners insurance is the insurance coverage that is needed to cover damage to the property that you own and, even more, the special coverage you need in case something happens to other people on your property. This is called liability coverage and it might can be caused by you, even if unintentionally, or just because you did not do something to protect your home or other people or property around it.

Whether you own a home, condo or just need to protect the property and things you own inside, you need to have the right coverage in case a disastrous event occurs.

Events to consider include fire, theft, vandalism, floods and more. And there are home insurance policies for all of these types of things. We get the best home insurance rates for you from the top 10 insurance companies. We do the comparison and even get you multi-policy insurance rebates too.

Even more, we can help you insure your vacation home or your rental properties. When it comes to home insurance, we have you covered.

Get a home insurance quote that is personalized to your situation. Get it fast and quick through Excel Insurance Online.

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Insurance for your home

Stop My Home Insurance Hassles
Get a free home insurance quote quickly and online with Excel Insurance Group.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your condo

Get me great condo insurance
Get a free condo insurance quote quickly and online with Excel Insurance Group.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your apartment or a home you rent from a landlord

Find me tenant insurance that rocks
Get a free renters insurance quote quickly and online with Excel Insurance Group.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for apartments buildings, condos, homes and buildings you rent to tenants

Help me with great landlord insurance
Get a free quote for your landlord insurance or rented dwellings insurance quickly and online with Excel Insurance Group.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your cottages, cabins and seasonal homes

Source me home insurance for my cabin
Cabin, cottage and seasonal home insurance quotes made easy through Excel Insurance Group online.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

I still have a few questions about my home insurance

Owning a centrally connected alarm system typically lowers your cost of home insurance. Often, the money saved in your premium (insurance cost) is seen to be what it costs in services fees to the alarm company. The added benefit, of course, is that you have a working alarm system protecting your home and personal space.
Municipal waterworks generally handles normal – or slightly above normal – water flow. Following heavy precipitation, melting snow, an expected or sudden thaw or another unexpected whether storm, it can happen that your sewer backs up into your home or renovated basement.

While it is a good idea to maintain home insurance coverage that includes sewer backup to fix your finishing and replace your belongings – especially if you have a home theatre system, games room or gym, for instance – we do have some ideas for minimizing your risk of loss:

Install a backwater valve
The valve closes automatically if the sewer backs up. A backwater valve that complies with your municipality’s standards and bylaws should prevent sewage from backing up into your basement.

Ensure maintenance of your backwater valve
Proper care of your plumbing system will significantly reduce the risk of sewer backup.

If you’re away at school temporarily and are staying in residence, your parents’ home insurance policy will cover you. If you move out permanently, you will need to buy your own tenant insurance. Each person’s case can be different, however, which is why Excel Insurance Group looks to create you personalized insurance solutions for your particular situation. Speaking with an Excel Insurance Broker is a good idea – especially if you are unsure about your home insurance requirements.