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Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Save up to 20% by bundling your home and auto insurance
Our Reviews
I've always had service handled in a good time frame. Changes for any vehicle paperwork has been done immediately.
I've never had a claim, so I can't comment on any handling in that nature.
I had great experience with Surex agent when I needed to change my insurance policy quickly to accomodate my needs.
They were able to act fast as I requested and I appreciate it very much.
Great job!
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Charlottetown, the capital of PEI, is located on the south shore of the province and has a population of almost 40,000 people. The city is referred to as the birthplace of Canada as a result of having hosted the inaugural meeting of the Confederation, the Charlottetown Conference, and is commemorated through several buildings, a ferry boat and the Confederation Bridge. If you love the outdoors, there's the Confederation Trail, a 400 kilometre network of walking and cycling trails covering the entire province! A bonus to living on a small island? Every major point of interest on the Island is less than a half-day drive! Charlottetown has been named one of the top cities to live in Canada. It is a great place to raise a family, with lots of outdoor spaces, higher education institutions, a growing population, a thriving economy, and a low cost of living.
Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting homeowners insurance to protect the place they live, raise a family and keep their belongings. These are all things that a homeowners insurance policy can cover and we can help with that. Reach out to a Surex insurance broker to receive online insurance quotes from the top Canadian home insurance companies that service Charlottetown.
Home Insurance In Charlottetown
Because all insurance companies offer different rates and different coverage types, it’s difficult to say what the ‘top’ insurance company is. Your individualized property needs will dictate the right provider for you. Some of the most popular home insurance companies in Charlottetown include Economical, Wananesa, Travelers, Royal Sun Alliance (RSA), Intact and Aviva.
The most affordable home insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. When you get insurance online with Surex, you're able to get the cheapest price on home insurance and quotes from the top Canadian home insurance companies.
For homeowners who hold a mortgage, having affordable home insurance is a necessity. This is because banks and mortgage lenders want to know borrowers (i.e. homeowners) have a backup plan in case one of three unfortunate events happens: (1) something happens to the homeowner’s home (either repairable damages or a total loss), (2) someone is inadvertently injured while on the homeowner’s property, or (3) the homeowner accidentally causes damage to another person’s property. A basic home insurance policy will cover a homeowner in any of those three scenarios, and will — by extension — ensure the homeowner will remain financially fit to continue servicing their mortgage.
On the other hand, if you own your residence outright (i.e. you’ve paid off your mortgage), you are not required by any level of government in Canada to hold a home insurance policy. However, when you compare the cost of an annual insurance policy — usually somewhere in the $800 to $1,200 range — to the value of your home and its contents, it becomes clear that protecting your assets is a wise move. Surex strongly recommends home insurance for all homeowners — just be sure to compare insurance companies with the best insurance broker if you want to find an affordable home insurance policy!
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Surex insurance tips & advice
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During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.
