Wherever you hang your hat, keep it safe.

Homeowners:

• Make sure your policy covers more than just the building, like your garage, shed, etc.
• Protect against common risks like fire, theft, and vandalism.
• Make sure you get the water-damage coverage you need.
• And don’t forget all the stuff in your home! Personal belongings coverage is a must.

Condo owners:

• Cover what your condo corporation doesn’t!
• Cover your personal unit including upgrades (like flooring or cabinets).
• Cover all the stuff in your unit from theft, water damage, etc.
• Every condo is different, but you may need additional water damage coverage.

Tenants:

• Personal belongings coverage is a must. Protect your stuff from theft, water damage, vandalism, and more.
• Make sure you have liability coverage to protect you if someone is injured in your home or if you damage someone else's property.
• Ask about coverage for theft or damage away from home (for example, your laptop is stolen from your car).
• Ask about deductible options — higher deductibles usually mean lower premiums.

Landlords:

• Make sure your policy covers the structure and any appliances or furnishings you own.
• Protect yourself with liability coverage in case someone gets hurt on the property.
• Look for coverage that replaces lost rental income after a covered event.
• You may need extra protection for tenant-caused damage or vandalism.

Cottage & Cabin:

• Make sure your policy covers both the building and any outbuildings, like boathouses or sheds.
• Seasonal use means risks like theft or weather damage when you're not there—check for those!
• Water damage coverage is especially important, even if you shut off your water seasonally.
• Don’t forget personal belongings—furniture, tools, and recreational gear should be covered too.