A Personal Broker

for Your Home & Property

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Why is home insurance essential?

Though not legally required in Ontario, most mortgage providers insist on home insurance.

It safeguards your property, personal items, and provides liability coverage, ensuring the protection of your investment.


Most lenders expect it as they have a financial stake in your property. Be wary of any lender who doesn’t request it.

What is home insurance?

Home insurance is protection against unanticipated damage to your property and personal belongings. It covers injury costs on your premises or damage you might accidentally cause to someone else’s property. It may also cover living expenses if you must temporarily relocate due to damage.


Here are some of the most important terms you’ll encounter while discussing home insurance:

The maximum sum your insurer can cover for a particular event.

Describes the specifics of your coverage.

The regular fee for maintaining your policy. Higher risk equates to higher premium.

Your request to your insurer to cover costs you believe are covered under your policy.

Your initial payment when making a claim. Your insurer covers the remainder (up to your limit).

Choosing the right home insurance

The right policy can safeguard you against unexpected events. Let’s take a look at the types of property insurance available to you.

Homeowners: This insurance covers private homes, their contents, and homeowner liability.

Renters*: Renters insurance protects tenant belongings and provides liability coverage.

Condo: Condo insurance protects individual condo units and contents and may cover living expenses during repairs.

Seasonal: Seasonal home insurance covers property structures, contents, and provides liability.


*Renters require home insurance too, as a landlord’s coverage doesn’t extend to tenant belongings. As a renter, your insurance will cover liabilities and living expenses if relocation becomes necessary due to repairs.

What does my home insurance cover?

Home insurance can safeguard your home, its contents, property, and additional structures. Policy coverage is determined by your provider, the premiums you’re willing to pay, and your acceptable deductible. In events like a kitchen fire, home insurance covers repair and replacement costs. Additional coverage can be added for more protection.

The specifics of home insurance differ for condo owners and renters. Condo policies typically cover improvements and belongings, while renter policies mainly protect belongings.

Pricing and options depend on various factors like location, home size, building age, and construction type. Available discounts also influence coverage costs and include options like newer home, non-smoker, and multi-line bundle.

Personal property & personal
liability insurance

Your belongings, referred to as personal property, are protected under home insurance, even outside your home. Compensation for damage or theft is based on the item’s cash value, although replacement cost policies are also available. High-value items may require additional coverage.

Home insurance also covers potential liability risks. If someone gets injured or their property is damaged on your premises, your home insurance may cover the costs. Additionally, if you cause damage or injury in another’s home, your insurance could cover legal costs and damages.

Let us get you the best property quote!

Dorey & Tolgyesi are pleased to be able to provide quotes from many of the largest, most reputable and innovative insurers in Canada.


To get a free quote on your property insurance, please fill out the form below and let your personal broker get to work for you!


Personal and compassionate service. Outstanding response times and a quality of care that’s uncommon today.


Dion L.


The staff at Dorey & Tolgyesi are fantastic. They were able to insure my house and two cars for less than anyone else, but keep the same coverage I had previously. When I had a claim, they worked quickly to ensure everything was back to normal quickly. I highly recommend them.


Terry T.


Your best Insurance Brokerage choice in Ontario! Professional, courteous, fast responses. Ernie and Heidi are very knowledgeable and they will always advise you for the best options. Highly recommended! Thank you for standing behind my back all the times!


Donata M.


We know Ernie for over 20 years. He looks after our house and car insurance. It’s always been a pleasure dealing with him and his office. Always fast to answer any question we have and taking care of our insurance needs. Highly recommended.


Mimi C.


This company was able to take care of all my insurance concerns for my properties and automobile. The quick response was very appreciated over the years. I would recommend them to anyone.


Richard H.


I have been dealing with this company for almost 9 years and they have gone above and beyond for me. They all are so pleasant to speak with and take pride in all of their clients needs thank you for being there for me when I needed insurance in a pinch.


Amanda D..