Home Insurance
Protecting More Than Just Your Property – We Protect What Matters Most.
At MB Insurance, we understand that your home is more than a structure — it's your sanctuary, your memories, your dreams and one of your greatest investments. That's why our expert brokers in Toronto offer tailored home insurance solutions designed to provide comprehensive protection for your property, your belongings, and your peace of mind.
What is Home Insurance?
Home insurance is a policy designed to protect homeowners, renters, and landlords from financial loss due to property damage, theft, natural disasters, or personal liability. It covers not just the physical structure of your home, but also your personal belongings, additional living expenses, and legal responsibilities in case of accidents on your property.
Whether you live in a condo, a house, or a seasonal cottage, home insurance ensures you’re protected when life takes an unexpected turn.
Why is Home Insurance Important?
Owning or renting a home comes with risk, from burst pipes and basement floods to fires and theft. Home insurance gives you financial protection, so you don’t have to cover losses out of pocket. It also:
- Replaces damaged or stolen items, from electronics to furniture
- Pays for repairs or rebuilding your home after a covered disaster
- Covers accommodation costs if your home becomes uninhabitable
- Protects against legal liability if someone is injured on your property
- Supports recovery from identity theft or service line damage
With MB Insurance, you get more than basic protection — you get personalized support, expert advice, and access to top insurers across Ontario.
Who Needs Home Insurance?
Home insurance isn’t just for homeowners — it’s for anyone with a financial interest in their living space. Whether you own, rent, or lease property, this coverage is essential.
You need home insurance if you are:
- A homeowner with a detached or semi-detached house
- A condo owner seeking to protect your unit and upgrades
- A landlord with rental properties or income-generating suites
- A tenant looking to protect your personal belongings and liability.
- An owner of a seasonal home or cottage used part-time or for family getaways
- Someone running a small business from home and needing added protection
No matter your living situation, MB Insurance will find a policy that fits your lifestyle.
What We Cover
We offer customized protection for a variety of residential properties:
- Detached homes
- Semi-detached homes
- Condominiums
- Rental properties
- Tenant (renter) policies
- Seasonal homes and cottages
Additional Coverage Options
Want added peace of mind? Enhance your home policy with these valuable add-ons
- Sewer Backup – Covers water damage from overflow or sump pump failure (e.g., a flooded basement during a storm)
- Overland Water – Protects against water entering from outside, such as heavy rain or melting snow.
- Scheduled Jewelry Coverage – Ensures high-value items like engagement rings, watches, and heirlooms are separately
- Equipment Breakdown – Replaces or repairs appliances like HVAC systems or fridges damaged by electrical surges.
- Service Line Coverage – Pays for repairs to underground utility lines like water, sewer, and power lines.
- Identity Theft Protection – Covers costs related to restoring your identity if it’s stolen
- Home-Based Business Coverage – Ideal for small business owners working from home (e.g., bakers, designers)
- Umbrella Liability Coverage – Adds extra liability protection beyond your base policy (e.g., $ 1 M+ in coverage)
Let's Secure Your Home Today
Your home deserves protection that's as unique as it is. Call MB Insurance now or get a free quote online and let us help you build a policy that gives you confidence — no matter what life throws your way. Request Your Free Home Insurance Quote Now
