Holiday dinners, late nights with friends, early morning cartoons with the kids – your home is where life happens, and we can help you protect it. Buying home insurance can be complex, but we’ll do everything possible to find the perfect coverage. Whether you’re looking to protect your permanent residence, condo, mobile home or seasonal retreat, at MIG, we offer a range of flexible options that will help you deliver peace-of-mind to where you call home.
How You’re Protected With MIG
Home insurance will help cover the cost to replace your home and structures should you suffer a total loss. To help determine what your insured value should be, our MIG brokers have all the tools needed to walk you through the evaluation process.
When we think of contents, we often just think of furnishings. Add in the cost to replace all your clothing, electronics, bicycles, jewellery, and everything else of value. Your belongings will probably add up to more than you think, but having the right insurance in place can cover the cost of replacing it all.
One of the most important features of your home insurance is the liability coverage that follows you home and away. Should an accident occur that causes damage to someone else or a neighboring property, you are covered for repair and medical expenses. An accidental run in with a pedestrian while on your bike could result in injuries and a huge cost; your policy will pay for that and any other losses occurring from that event.
If your space is not able to be occupied because of damage from a loss, living expenses coverage will cover the cost of alternative living arrangements, even the cost of meals while you get back on your feet.
Do you know the difference between sewer backup, water seepage and flood coverage? What’s the value of your man or woman cave, home theater or personal gym in the below grade level of your home.
To help guide you through your coverage options, we have developed a clear and easy guide to water damage and a summary of how our company partners are developing products to help with overland flood concerns.
At MIG, we do insurance differently. We write all our policy documents in language that’s easy to understand. Next, we personalize your policy documents to what you’ve bought. This way, you’ll know precisely what you’ve insured, the limits and the deductibles you’ve chosen, and the premiums you’ve paid. Lastly, you’ll understand what specific terms, conditions and exclusions apply.
When you buy home insurance, you always hope you never need to use it. In the event of damage to your home, we’re here to help get you back to normal as quickly as possible. Learn more about making a claim.
· 24/7 claim helpline so we're there whenever you need us
· We’re here to help and guide you through each step
· Easily track each stage of your claim online
· We ensure that all claims are dealt with fairly, transparently and efficiently
· We keep you informed at each stage, giving you the opportunity to ask any questions you might have