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We've got you covered.

Your cottage is a place for you go relax and enjoy. Don’t let any unforeseen events damage or destroy your happy place. Northbrook works with you to ensure your cottage and assets are properly covered from any unforeseen events. Our team of dedicated insurance professionals match your needs with the right coverage to ensure you and your cottage is properly protected year round!

What's covered?

At Northbrook we work with you to ensure that all the gaps are filled and determine the proper amount of coverage to ensure that you are covered in the event of a claim. To determine the proper amount of insurance we estimate the replacement cost (with current market values) of your personal belongings in your condo, as well as any betterments and improvements completed by you or the previous owner. Condo insurance lets you rest assured knowing that you are fully covered!

Basic coverages:

  • Dwelling Building

    Your home and all attached structures including fixtures in the home, such as built in appliances, plumbing, heating, electrical wiring and air conditioning systems are covered up to the limits stated in your policy.

  • Detached Private Structures

    Structures or buildings on your premises that are separated from the dwelling by a clear space. For example sheds, fences and detached garages are all insurable items under a homeowner’s policy.

  • Personal Property

    The contents of your dwelling and other personal property you own. Contents such as furniture, electronics, clothing, jewelry and artwork are covered up to the limits stated on your policy.

  • Additional Living Expenses

    In the event that your home is unfit to live in or you must temporarily move out while repairs are being made due to an insured loss, your increase in living expenses are covered as per the stated amount in your policy.

  • Personal Liability

    Personal Liability covers you if you are sued. Any damages resulting from bodily injury or property damage to others caused by an accident on your property or as a result of your personal actions anywhere are covered, up to the amount of insurance shown on your policy in respect to one accident or occurrence.

Enhanced coverages:

  • Enhanced Water Damage

    Changing weather trends, bigger storms and more rain has now led water damage claims to the leading cause of all home insurance losses in Canada. Your standard home insurance policy does not fully protect you from losses due to water damage. Coverages can be purchased to cover:

    • Sewer Back-Up

      Water damage to your home caused by the sudden and accidental back-up or escape of water or sewage through a sewer, septic system, sump pump or drain.

    • Overland Water

      Water Damage to your home caused by the sudden and accidental entrance of surface water at or above ground level. This includes flood exposures such as overflow of a river or lake.

    • Ground Water

      Protection against the sudden and accidental infiltration of water through basement walls, foundations or floors.

    • Water & Sewer Lines

      Coverage of $10,000 to repair or replace water and sewer lines due to loss or collapse of the line on the owner’s property.

  • Lifestyle Advantage

    Enjoy flexibility on how you would like your claim to be settled. The Lifestyle Advantage offers the following benefits:

    • Choice of a replacement cost cash settlement for a total loss on their dwelling building and/or detached private structures.

    • Choice of a replacement cost cash settlement for any personal property loss.

    • Claims-free rating protection for first loss.

    • Deductible waiver up to $1,000 on first eligible loss (excluding water damage, water escape/back-up and earthquake losses).

    • Resident health care coverage for more than one family member.

Some quick ways to start saving:

Bundle & Save
When you bundle your home and auto insurance policies with the same insurer you instantly begin to save. Save up to 15% on your auto insurance by bundling your auto insurance policy with the same insurer.
Monitored Alarm Discount
Insurance companies recognize and appreciate your efforts to protect your belongings by installing a monitored burglar and fire alarm. When you have an alarm system that is centrally monitored by a company (e.g. The Monitoring Centre, ADT, Alarm Force, Etc.) you are eligible to save up to 10% on your cottage/seasonal home insurance premium. To be eligible a copy of your alarm installation certificate must be provided to receive this discount.
Non-Smoker Discount
Many insurers offer non-smoking household discounts. You can save up to 10% on your property insurance premium if there are no individuals who smoke in household.
Mortgage Free Discount
Being mortgage free is not a simple task and you should be rewarded. Insurance companies now offer mortgage free discounts where you can save up to 10% on your annual premium if there are no mortgages, secured line of credit, or additional interests on your property.
Claims Free Discount
Being claims free does have its advantages. Save up to 20% on your property insurance premium by having no claims history in the past 6 years
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