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Types of coverage we provide
Provides protection against a lawsuit resulting from damaged property or personal injuries.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
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 broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
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Save up to 25% on the best home insurance in St. John's by teaming up with Surex
St. John’s, the capital and largest city of Newfoundland and Labrador, offers the perfect blend of modern amenities with a distinctive Newfoundland charm. This city combines the luxury of big-city living with the warmth and character of a small town. St. John’s is renowned for its vibrant arts and cultural scene, making it a lively hub of creativity and tradition.
Located on Newfoundland island along Canada’s Atlantic coast, St. John’s has a rich past. Its iconic downtown is famous for its colorful row houses, while Signal Hill, overlooking the city, features walking trails and Cabot Tower, the site of the first transatlantic wireless communication and a monument to John Cabot's discovery of Newfoundland.
At Surex, our team has made it easier than ever to find cheap home insurance in St. John's. All you need to do is contact your personal Surex insurance advisor and within ten short minutes, we can help you find and compare the best home insurance quotes. Contact one of our trusted advisors today to learn how we can help you save up to 25% when you bundle your home insurance with another insurance policy in Brampton.
Home Insurance in St. John's - What You Need to Know
Home insurance in St. John's is not legally required if you’ve paid your house in full, but it is required if you need to secure a mortgage. A bank will not lend you money if you do not have homeowners insurance to protect your one most valuable asset.
A licensed insurance advisor can offer home insurance in St. John's . If you contact the insurance broker channel they can provide you with more than one option, so you can see comparables in price and coverage!
There are four types of home insurance in St. John's:
Comprehensive: This provides the most coverage and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy)
Standard: This covers your house and its contents against named perils and is less coverage than a comprehensive policy.
Broad: This is coverage that is right between a standard policy and comprehensive, covering your home against all risks (minus exclusions) and coverage for your contents against any named risks.
No frills: This provides minimal coverage, and is the most affordable home insurance. It is usually for homes that don't meet underwriting standards (doesn't meet normal insurance standards).
Talk to the best insurance broker about what coverage you need and also about any additional coverage options you may require. Optional add-on coverage costs extra but protects your home against specific risks posed by St. John's climates.
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