Property Insurance
Property insurance should give you confidence that your home and belongings are protected from unexpected events. As an independent Ontario brokerage, Emila Insurance reviews plans from multiple insurers and explains your coverage options in a clear, simple way. Whether you own, rent, or manage property, we’re here to help you understand your choices and select the protection that fits your life.
Homeowners Insurance
Homeowners insurance helps protect your home and personal belongings from damage caused by events like fire, theft, storms, and other unexpected situations. We compare policies to help you understand what’s covered, what isn’t, and how to choose the right level of protection for your home.
Renter’s Insurance
Renter’s insurance provides coverage for your belongings and personal liability, even if you don’t own the property you live in. We walk you through your options so you can feel confident your items are protected and that you’re covered in case of accidental damage or unforeseen events.
Condo Insurance
Condo insurance protects your personal belongings, upgrades, and the parts of your unit not covered by the building’s master policy. We help you understand how your condo corporation’s coverage works so you can choose the plan that keeps your space and valuables secure.
Landlord Insurance
Landlord insurance helps protect rental properties from damage, liability claims, and loss of rental income. We review your options and ensure you understand the coverage available for your building, your equipment, and your responsibility as a property owner.
Flood Insurance
Flood insurance offers protection from water damage caused by overland flooding or severe weather events. Standard home policies may not include this coverage, so we explain how flood insurance works and help you choose the right plan based on your location and risk level.
Earthquake Insurance
Earthquake insurance adds protection for damage caused by seismic activity, which is not included in most basic property policies. We break down what this coverage includes and help you determine whether it’s a valuable addition based on your property and comfort level.
Umbrella Insurance
Umbrella insurance provides extra liability protection beyond the limits of your existing home or auto policies. This added layer of security helps safeguard you financially from large or unexpected liability claims. We explain how it works and help you decide if it’s right for your situation.
Tenant Liability Insurance
Tenant liability insurance protects you if you accidentally cause damage to the rental unit or building. It covers situations such as fire, water damage, or unintentional harm to the property. We explain what this policy includes and help you choose the right protection based on your living situation and rental agreement.
Seasonal & Cottage Insurance
Seasonal and cottage insurance provides coverage for vacation homes, cabins, and properties used part-time. These locations often face unique risks such as weather damage, break-ins, or extended vacancy. We help you understand the coverage options available so your seasonal property stays protected year-round.
Mobile Home Insurance
Mobile home insurance is tailored to manufactured and modular homes, offering protection for the structure, belongings, and liability. We review the available plans and help you choose the coverage that best fits your home type, location, and needs.
Answers to Common Property Insurance Questions
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Location, type of home, building materials, claims history, and coverage limits all influence your price. We review these details with you and explain how each factor impacts your rate.
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Yes. Flood and earthquake coverage are usually optional add-ons. We help you understand the risks in your area and whether these protections are important for your home.
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A condo corporation’s policy covers the building structure and common areas. Your condo insurance covers your belongings, improvements, and personal liability. We can help you understand the difference clearly.
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Renters insurance protects your personal belongings and personal liability, not the building itself. The landlord’s policy covers the structure. We’ll explain what you’re responsible for and how to stay protected.
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Absolutely. We can walk through your existing coverage, highlight any gaps, and compare it with other options so you can decide if changes are needed.
Get in Touch With Us
1091 Gorham St #205
Newmarket, ON L3Y 8X7
Hours
Monday–Friday
9am–6pm
Phone
(416) 423-6666
Email
emila.insurance@gmail.com
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Have questions or need help choosing the right coverage?