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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.
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Surex can help you save up to 25% on affordable home insurance in Kingston
The city of Kingston, also known as the Limestone City, is an excellent place to live for countless reasons. Kingston has a relatively low cost of living, making it an ideal place for individuals that are looking to start or expand their growing family. If you’re planning on buying a home in the city, you should take a moment to compare insurance companies with a brokerage to get affordable home insurance in Kingston.
If you’re looking for affordable, high-quality home insurance in Kingston, you’ve come to the right place! At Surex, we make finding and comparing affordable home insurance quotes a frictionless experience. Within ten short minutes, we can provide you with up to ten personalized online insurance quotes from the top rated home insurance companies in Ontario. Call or click today to contact your dedicated Surex insurance broker learn how you can save as much as 25% on the best insurance coverage in Kingston.
Home Insurance in Kingston - What You Need to Know
Homeowners’ insurance policies generally provide at least $100,000 worth of liability insurance but higher amounts are available and recommended. Generally, it is recommended to purchase in the range of $300,000 to $500,000 worth of liability coverage in Kingston.
Several factors will affect how affordable home insurance is in Kingston, including location, the home value and cost of replacement, coverage limits, the amount of the deductible, home improvements and renovations done to the house, roofing, plumbing, electrical, and age of the house.
Shop around for different rates with the best insurance broker to get insurance online at a competitive price. They will help ensure you get an affordable home insurance rate from one of the top rated home insurance companies in Ontario.
Bundling — Bundle your auto and home insurance policies together to save in the long run.
Consider obtaining a higher deductible — It may be more out of your pocket initially, but you will have a chance to save on your monthly insurance cost.
Maintain a good driving record — This one speaks for itself. Driver safer and you will get a discount.
Review your coverage each year — You’ll never know what other options you have or what coverage you actually need until you do your annual review. Review regularly and add or remove components of the insurance policy that you do not need for that particular year.
Every home insurance policy in Kingston is unique to that customer. Often, you’ll need an extended amount of insurance coverage for things like by-laws, earthquakes, and floods. These are optional and aren’t covered in the majority of standard policies. Standard wear and tear is also not covered in most policies.
When you go on to purchase a condo, you aren’t purchasing the building but the unit inside that building. You’re also normally part of a condo corporation that will fix external structural damages. Homeowners insurance will cover the structure in addition to the contents inside that home.
Yes they do. In accordance with regulatory associations, there’s a direct correlation between an individual’s likelihood of getting into an accident and cancellation policies due to non-payment, and their credit score. This means that those individuals will in fact have higher premiums for lower credit scores.
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Surex insurance tips & advice
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
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.
