Homeowners Policy
Homeowners insurance is designed for people who own the property that they live in. It includes coverage of the main building, outbuildings such as sheds and garages, and personal contents.

Condominium Policy
Condominium insurance includes contents coverage and has special considerations relating to the building, which is owned collectively by the people who live in it.

Tenants Policy
Tenants insurance covers people who rent their homes. A tenant's package policy covers a renter's personal property and protects them in the event that they accidentally damage the premises they rent.

All of the above forms of insurance also include Third Party Liability coverage. This liability portion of home insurance applies at your home or anywhere in the world to bodily injury or property damage you may unintentionally inflict on others. We recommend a minimum limit of $2 million. Ask your Ogilvy & Ogilvy insurance representative about the specific coverage in your policy.  For added liability protection, inquire about Personal Umbrella Liability which offers increased protection while being surprisingly affordable.

Other types include secondary and season dwellings, co-operatives, vacant dwellings and dwellings under construction.

Note: Home insurance coverage can vary widely from one insurance company to another.  Most of them have developed their own policy wordings and rating structures. The quality of the coverage is dependant upon the level of coverage selected and the individual insurance company providing that coverage.  Let us at Ogilvy & Ogilvy provide your with our over eighty years of knowledge and experience to find the right insurance fit for you and to prove to you that our motto, At Your Service, is more than just words.