Home Insurance

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. Whether you're looking for home insurance in Winnipeg, Winkler or anywhere else in Manitoba, we've got you covered.

 

How You’re Protected With MIG

Protect Your Structures

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.

Personal Property Covers

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.

Liability Coverage

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.

Living Expenses

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.

Sewer, Water Damage and Flood Coverage

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.

Policy Wordings

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.

Making A Claim

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

Worldwide coverage up to a maximum of $5 million

*Trip lengths up to 182 days (different options available)

*No age restrictions unless it is a family plan then up to age 59
Worldwide coverage up to a maximum of $10 million

*Trip lengths up to 125 days (different options available)

*Available to persons up to and including age 59
Different sums available for purchase

*No age restriction for single person. Family plan up to age 59. Two people plan up to 64
Different sums available for purchase.

Includes:
• Emergency medical coverage
• Trip cancellation or interruption
• Accidental death and dismemberment
• Baggage
Must be purchased with a travel health plan.

*Maximum limit for air flight/common carrier accident is $100,000

*Maximum limit for 24-hour accident is $25,000
Includes the following:

• Emergency medical insurance
• Trip cancellation & trip interruption
• Accidental death & dismemberment
• Baggage insurance

*Only available I 59 years or under

*Pre-existing condition clause does apply
Includes the following:

• Emergency medical insurance
• Trip cancellation & trip interruption
• Accidental death & dismemberment
• Baggage insurance

*Only eligible for customers no more than 89 years old
Baggage Insurance

Rental Car Insurance (physical damage only)

Contact, adventure or extreme sports coverage

*Must be purchased with another plan
Baggage Insurance

Canadian Expatriates Plan

Inpatriates to Canada
Must be purchased with a travel health plan.

*Trip interruption can be purchased separately
Basic or Select plans available

*Only eligible for customers no more than 89 years old

*Trip interruption can be purchased separately
Must be a student and less than 40 years of age

*$2million in coverage
*Family plan available ifunder 40
None available
Must be a student and less than 69 years of age

*$2 million in coverage
*Family plan available if under 59
Must be a student and less than 60 years of age

*$2 million in coverage
*Coverage available for spouse & dependents
Worldwide coverage up at maximum of $5 million.

Policy options:
• Within Canada
•Worldwide
• Worldwide (excluding the USA)

*Pre-existing condition clause does apply

*Persons over the age of 55 must complete a medical questionnaire.

*Different deductible options are available
Worldwide coverage up at maximum of $10 million.

Policy options:
• Worldwide including USA
• Worldwide (excluding the USA)

*Only eligible for customers no more than 89 years old

*Persons over the age of 60 must complete a medical questionnaire

*Pre-existing condition clause does apply

*Different deductible options are available
Worldwide coverage up to a maximum of $5 million

*Trip length up to 32 days or less. Additional days available for purchase if under the age of 55

*Available to persons up to and including age 74
None available
None available
Airfare cancellation or Holiday cancellation packages available

*Must be purchased within 72 hours of initial deposit.
Includes the following:

• Trip cancellation before or after trip
• Missed connections
• Emergency travel health coverage
• Air flight or common carrier accident
• 24 hour accident
• Baggage and baggage delay
• Transportation of deceased

*Must be purchased within 72 hours of initial deposit.

* Trip cannot exceed 32 days in length

*Pre-existing condition clause does apply
Titled ‘Travel Accident Plan’ and must be purchased along with another plan.

*Different sums available for purchase.
Sums insured: $25,000, $100,000 or $250,000

Flight accident also available for purchase
None available
None available
Worldwide coverage up at maximum of $5 million.

*Persons over the age of 55 must complete a medical questionnaire

*Pre-existing condition clause does apply

Visitors to Canada Holiday Package
Student Medical Insurance (Inbound) – Students coming to Canada
Visitors to Canada – Emergency Medical Insurance (Single Trip)
Emergency Medical Insurance – Multi Trip Annual
TuGo
Manitoba Blue Cross
Emergency Medical Insurance – Single Trip
Trip Cancellation / Trip Interruption Insurance
All Inclusive Holiday Packages
Additional Coverages
** Exclusions apply, please refer to a broker formore information **
Accidental Death & Dismemberment Insurance
Student Medical Insurance (outbound) – Canadian Students studying abroad
Allianz Global Assistance
Different sums available for purchase

*Only eligible for customers no more than 89 years old
The mortgage lender
Pay off mortgage
With your mortgage payment
The mortgage lender
Often underwritten at time of death
Not neccessarily guaranteed
None
Usually not available
Often same rates given, regardless of other factors
Benefit decreases as mortgage paid off
If you move, the insurance ends You will have to requalify
Can only cover the mortgage
Decreasing Term
Bank
Anyone - you decide
Beneficiary decides
Invest? Pay off mortgage?
Monthly, semi-annually,annually
Get level benefit Or lower benefit overtime to match yourmortgage
Underwriting at time of application
Fully guaranteed
Premium based on gender, smoking, health, lifestyle
Preferred underwriting available
Individual policies can be customized
Deal with licensed advisors
Insurance stays with you - even if you refinance or change lenders
Take care of all insurance needs with one policy
Term or Permanent
Insurance
Broker
Payment Frequency
Other Life Insurance needs
How Insurance will be used
Beneficiary
Your best options are available through an insurance brokerage.

Let's Compare!  
Type of Life Insurance
Benefit Level
Underwriting Time
Premium Rates
Premium Guarantees
Options and Riders
A needs analysis will take a look at the whole picture and help us determine a plan to suit your needs. A customized insurance plan will put the control where it should be...in your hands.
Now you know the facts, but how does this all fit together?
Lifestyle Discounts
Advice
Portability
Home Insurance that's simple, easy, and clear. Get a quote online today.
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