Homeowners Insurance


All Homeowners need home insurance to protect themselves against worst-case scenarios. If you use any type of financing to buy your home, proof of insurance is mandatory. In the case of disaster, home insurance will help you rebuild your home, replace your home’s contents, and provide funds to cover additional living expenses if you are forced to temporarily live elsewhere. In short, home insurance protects you.

Our insurance products are flexible and affordable. Choose the precise coverage you need today, and as your requirements change, we’ll help you tailor a program to suit your needs for tomorrow. Our homeowner’s insurance provides coverage for your home, valued possessions and personal liability, all in one convenient policy. 

Home is where your heart is. Make sure you protect it.

How a Broker Can Help You

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

With so many insurance companies providing insurance to consumers in Canada, it can be confusing and time-consuming to compare different insurance products. That’s why an independent insurance broker is your best ally. They do the leg work to find you the best insurance coverage at the right price for you. Talk to a broker about the protection you need. 

If you’re not sure what type of home insurance you need, or how much home insurance is enough, talk to your Patterson, Hadden & Brown homeowner’s insurance broker. We offer honest advice to help you make the right decisions when it comes to buying home insurance. Our brokers will help you find the most appropriate level of home insurance coverage that ensures you protect your most important investments.

We offer tailored home insurance coverage to fit your lifestyle. Choose what you need to protect what you value.

Types of Products Available

We offer a variety of packages to cover your principal residence, including insurance on your building(s), contents, additional living expenses and liability.

  • Homeowners
  • Tenants packages
  • Condominiums
  • Secondary properties - We also have coverage available for seasonal properties, cottages, rented dwellings and more.
  • Home-based business
  • Watercraft
Whether you rent or own your home, entrust it to our experienced professionals.

Types of Coverage

  • Dwelling coverage - Damage to your home’s physical structure
  • Other structures coverage – Damage to other structures like a garage or shed
  • Personal Property coverage – Your personal belongings – whether in youre home or elsewhere
  • Loss of use coverage – Additional living expenses if necessary in the event of a covered loss
  • Liability coverage – Your personal liability in the event someone is injured or their property is damaged by you or a family member

Optional Extensions

  • Scheduled personal property
  • Earthquake coverage
  • Seasonal residences
  • Rental properties
  • Watercraft
  • Vacation trailers
  • Home-based business.
Extentions on other categories of property may have special coverage and dollar limitations. These items may include jewellery, watches, furs, stamps, coins and others. You can arrange this coverage as required. 

Discounts & Savings

We offer a variety of discounts and ways to save on your premiums to suit your indiviudal situation and circumstances including:
  • Dual-policy discount 
  • Claims free discount
  • Mortgage free discount
  • Non-smoking discount
  • Newer home credit
  • Age credit

For more detailed information about a particular home policy or to get help selecting the policy that best suits your needs, Contact us at
Patterson, Hadden & Brown Insurance Brokers to speak with one of our experienced insurance professionals today.