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Home Insurance Ottawa

At Rowat Insurance, our team of experts can lend their extensive insurance policy knowledge and apply it to your situation to guide you towards the best plan for your needs.

We safeguard your home

Your home and personal property are your most valuable possessions. Losing them would be nothing short of devastating for anyone. To ensure you have the most protection in place to safeguard your family and your home, you need a suitable insurance plan that is structured for your unique needs.

The Rowat Insurance team will help you find the right coverage from the most dependable insurance company based on your circumstances. Our team will review your situation and requirements and then help you decide on a plan that offers the most protection possible.

Our simple process

We know how time-consuming and frustrating it can be when shopping around for a home insurance policy. That’s why we’ve created a simple process that takes out all the guesswork for our customers. Our process first identifies your individual risks and then helps you decide which insurer and policy will be the best fit.

To begin the process, we start by having you fill out a detailed questionnaire that will help us identify your home insurance needs. Once you provide us with all the information required, our team will get to work putting together a viable insurance option for you that is both cost-effective and practical.

Personalized service

From apartments to condos to houses and even mobile homes, we can help you find coverage for all of your assets, including the personal property and contents inside. Theft, disaster (natural and/or accidental, man-made), plumbing, building damage protection, and special belongings coverage can also be included in our plans to ensure that you are completely safeguarded. Our home insurance is capable of covering a wide variety of circumstances to protect yourself, your loved ones, and your property.

We work with you at every step

Some insurance policies are complicated and hard to understand—not ours. Our home insurance policies are designed to be easily understood so that our clients have a clear comprehension of the terms and conditions at hand without being overwhelmed by unnecessary legal jargon. Our team is also here to provide you with all the advice you need when seeking a fair and equitable claim through your insurance policy.

Why choose Rowat Insurance?

Our insurance brokers offer a number of advantages over using an agent. For one, we don’t work for any single insurer as an agent does; we work for the policyholder. Our team also has access to a vast network of insurance companies to make sure you’re offered the best policy for your needs—not the insurers. And since we offer policies from multiple insurers, we can offer you a number of policies, from your home and business to your car and recreational vehicles. We’ll also find ways to bundle your policies so that you can get the coverage you need while saving more.

Our company is locally owned and operated, which means we understand the unique needs of the residents in our area. To us, every customer deserves personalized service. Not many insurance companies can offer you the same type of tailored support that we can. We’ll take the time to get to know you and your needs to find the best home insurance product for your lifestyle and financial circumstances.

You wouldn’t trust anyone to fix your car or to sell your home. The same theory should apply when shopping for a home insurance policy. Experience matters when it comes to insuring your most valuable assets and ensuring the safety of your family. That’s why we only hire distinguished experts who are also compassionate people who want only the best for you and your family. No matter your circumstances, we will work with you to find a home insurance policy that will offer you the most coverage at the best price.

Why you’re in the best hands

  • Highly competitive premiums
  • Claims advice and assistance
  • Local brokers – not a distant call centre
  • A dedicated professional for your account
  • A vast network of Canada’s leading insurance companies

Our team of professional insurance advisors is available to answer any questions you may have about purchasing home insurance with us. We make it a priority to keep our clients fully informed – our approach involves the full consideration of your situation to create the most positive outcome possible.

For more information about obtaining home insurance through Rowat Insurance, contact us today or fill out a quote to discover the best possible solution for your needs.

Types of Home Insurance Coverage in Ottawa

The types of home insurance in Ottawa can be defined by their components, including property coverage, liability coverage, and add-on coverage.

Property Coverage Types

A standard home insurance policy in Ottawa includes the following:


Property coverage is based on the total amount required to replace your property’s main home structure. This type of coverage typically protects your home from all common perils, such as weather, fire, or theft. Keep in mind, however, that property coverage is based on the replacement value of your home, which can differ significantly from its market value.

Personal Property

Contents and personal property coverage include everything found inside your home, such as furniture, appliances, computers, and housewares. The coverage applies in case anything gets lost, damaged, or stolen.

Additional Living Expenses

If you and your family are displaced from your home due to damage, most home insurance policies will cover the expenses associated with accommodation and food for the period of displacement.

Liability Coverage Types

Home insurance policies should also protect your personal liability in case an accident happens on your property. Here are the applicable coverage types:

Personal Liability

Personal liability coverage protects homeowners against claims and lawsuits that might happen if somebody suffers an injury on their property. While most standard home insurance policies will include a $100,000 coverage for personal liability, some homeowners may choose to increase this coverage to as high as $1,000,000.

Voluntary Property Damage

This type of coverage will cover expenses to fix the damage you cause to somebody else’s property, even if you are not legally liable for them. For example, if a homeowner accidentally damages a neighbour’s fence, voluntary property damage coverage may be used to cover the repair costs. While this type of coverage can vary from policy to policy and go up to as high as $6,000, most home insurance companies in Ottawa set the voluntary property damage limit to $1,000.

Voluntary Medical Payments

Similarly, voluntary medical payments coverage will cover medical expenses for somebody who suffers an injury on your property, even if no legal claim or lawsuit has been made. Voluntary medical payments usually range from $5,000 to $10,000 without a deductible.

Home-Insurance Add-Ons

You can also personalize the home insurance for your Ottawa home by selecting additional protection, such as:

  • Sewer backup coverage
  • Earthquake coverage
  • Mass evacuation coverage
  • Overland water coverage
  • Identity theft coverage
  • Lock replacement coverage

What is a registered insurance broker?

In Ontario, insurance brokers are governed by the Registered Insurance Brokers Act of Ontario.

A registered insurance broker is an independent insurance professional. Brokers sell general insurance including coverage for home, business, automobile, farm, boat, ATV, life, etc.

Brokers represent your best interests when negotiating a contract with an insurance provider.

Unlike an agent, an insurance broker does not work directly for an insurance company or financial institution. Brokers act as an ntermediary between an insurance provider and the client.

Insurance brokers can offer several choices from a variety of insurance providers.

They are well versed on various insurance products available. They are not affiliated with insurance companies or financial institutions and can offer independent, non-biased advice.

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Frequently asked questions

Is home insurance mandatory in Ottawa?

Unlike car insurance that is mandatory in Canada, home insurance is not. However, it may be required in certain situations. For instance, if you need a mortgage, most lenders will require home insurance to protect the security of their loan. A condo board may also request that you have home insurance before you can buy the unit. Our team at Rowat Insurance will always make sure that you have the appropriate coverages as set out by the subject lender or board.

Why is it essential to have home insurance in Ottawa?

Home insurance does more than just protect your home and the contents inside. It also provides you with liability insurance that covers you if someone is injured on your property or if you cause damage to someone else’s property. The liability section of your home insurance policy will even cover you if you cause injury or damage outside of your province. For example, you will be covered if you accidentally cause a fire at a hotel that you’re staying at on vacation and there is significant damages that result.

Will my house insurance have any limits for coverage?

Yes. There will be different limits for each policy. To ensure you have the right coverage for your needs, we will work closely with you to determine the exact requirements for your situation. In the event that you have items that are not covered by the standard policy, we can add additional coverages or a floater to adjust your policy to provide specific protection.

What is a deductible, and how is it determined?

The deductible is the amount that you will need to pay when you make a claim before the insurer will cover the rest. For instance, if you have a $1000 deductible and it costs $10,000 to replace your contents after a break-in, you will pay the initial $1000 and then your insurance company would pay the remaining $9,000. The deductible is often determined by using a percentage of the home’s value insured. However, you can change the deductible to suit you. Just remember, the higher the deductible, the lower the insurance premiums.

What is the difference between actual cash value and replacement cost?

The “Actual Cash Value” is the value of something on the day the claim is submitted by factoring in the replacement cost, minus depreciation. For example, if you bought a TV in 2018 for $500 and today it’s worth $200, you would get $200 cash for the item. When insurers use the “Replacement Cost” they will replace the item with a comparable item that is new. So in the same example as above, they would replace the TV with a new one that has a similar value to the old one that was stolen.