Home Owners

Why is home insurance one of the most important annual purchases you can make? Simply put, you’re buying it to protect one of the biggest investments you have. If something covered by your insurance were to happen to your home and its contents, HUB Horizon will see that everything is repaired or replaced (right down to those antique brass door knobs.) If required, you will also be provided with money so that you can live somewhere else in the meantime. Basically, our job is to provide you with a policy that does all of the above — the best coverage available at the best price possible.

We represent more insurers than most other brokers in Manitoba; this allows you to do all you’re shopping at one place. Convenient, n’est pas? You know what else is convenient? Listing, in point form, the many benefits of purchasing your home insurance through us:

• We’ll make sure your home is insured to its full replacement cost. We can’t overstate how important that is. 
• We use the latest building replacement cost tools combined with the specific details of your home to estimate its current cost of reconstruction.  Which is insurance speak for ‘you won’t get short-changed in the event of a total loss’. 
• We’ll also make sure you have full replacement cost coverage for your contents and any detached structures on your property.
• We only recommend the best available coverage to protect your home, its contents and your liability, from more than a dozen very reputable and financially solid insurers. Several of our insurance company partners have branch or head offices in Manitoba, which means you are insured by a company that understands your needs. Representing so many quality insurers gives us a real advantage when shopping for the best value for you. 
• If a loss prevents you from living in your home while repairs are being made, your policy will pay for you to stay in another home. I know we mentioned this earlier, but it’s a pretty big thing.
• Your policy covers you for personal liability claims at home and worldwide. Let’s say a visitor to your home slips and falls on your front steps; or you ran someone off the slopes while skiing in Whistler(accidentally, of course). If you were to be sued in either of these events, your policy would pay for the cost to defend you in court and cover any potential settlement.
• Additional coverage for expensive items such as jewellery, art or electronics can be added to your policy, as can coverage for sewer backup and home based businesses. If it’s valuable to you, it’s likely that we can insure it.
• Your policy includes claims advocacy from our in-house claims experts. We want to resolve claims to quickly and to your permanent, everlasting satisfaction. Make a Claim.   
• We offer affordable packages, with a variety of payment plans to suit your needs.

There you have it: comprehensive home insurance coverage, incredible convenience, and easy-to-read lists. What more could you possibly ask for?

If you do have any questions about home owners insurance, your best bet is to contact us. We’ll take the time to understand your needs and provide clear, simple answers.

Tenants

Jerry and Kramer. Jack, Janet and Chrissy. Chandler and friends. Know what they all had in common? They all made renting seem fun and carefree. That, and they were all TV characters. Thus, they didn’t have to worry about tenant insurance, because all their belongings were props.

From treasured family heirlooms to that pink gecko T-Shirt you bought in the Bahamas, the value of the contents of your apartment can add up over time. The point of your policy is to purchase insurance coverage equal to the amount that it will cost to replace all of the  contents and personal items in your home. Determining this amount and insuring your contents is not as easy as you think. Unless you were thinking of asking us for help, in which case we make it easy. 

Here are some basics that all renters should know about tenant’s insurance — and HUB Horizon:

• A tenants policy covers many things — but most importantly, it covers your home’s contents.
• We’ll review your personal property values with you to determine your specific requirements in the event of an insured loss.
• Tenants policies include third party liability coverage in the event you are legally responsible for loss or damage to the building or the contents of a neighbouring unit.
• We only recommend the best available coverage to protect your contents and liability, from over a dozen very reputable and financially solid insurers. 
• Several of our insurance company partners have branch or head offices in Manitoba, which means you are insured by a company that understands your needs. Representing so many quality insurers gives us a real advantage when shopping for the best value for you.
• If damages render your current home unliveable, your policy provides you with the coverage to rent another home.

• Your policy covers you for personal liability claims at home and worldwide. Let’s say a visitor to your home slips and falls; or you run someone off the slopes while skiing in Whistler (accidentally, of course). If you were to be sued in either of these events, your policy would pay for the cost to defend you in court and cover any potential settlement. 
• Additional coverage for expensive items such as jewellery, art or electronics can be added to your policy, as can coverage for sewer backup and home based businesses. If it’s valuable to you, it’s likely that we can insure it.
• Your policy includes claims advocacy from our in-house claims experts. We want to resolve claims to quickly and to your permanent, everlasting satisfaction. Make a Claim. 

• We offer affordable packages, with a variety of payment plans to suit your needs.

And of course, if you have any questions about tenant’s insurance, your best bet is to contact us. We’ll take the time to understand your needs and provide clear, simple answers — which is something Mr. Furley always had trouble with.

Rental Properties

Buy a house, apply a little TLC and some fix-it know-how to make it all modern and cozy, then rent it out to some quiet, gainfully employed tenants and watch the money roll in. That’s the plan, right? And a good plan it is, too; just make sure you protect everything you’ve put into it with the right insurance coverage.

Seems like more and more people are getting into the income property game. If you’re one of them, here are some things you should know to make sure that your investment is properly protected:

• Primary residence home insurance policies exclude coverage for other premises that are not owner-occupied, and therefore a rental property insurance policy is required. This coverage can be added to your primary home owners policy with separate coverage limits.
• You can be held liable for bodily injury or property damage arising from your rental property. Unfair, perhaps… but true nonetheless. A rental policy provides coverage for the risk associated with the renting of a dwelling to tenants.
• We will also insure your loss of rental income should your rental home become uninhabitable due to insured loss or damage.
• Commercial policies are available for customers who have more than four rental properties.
• We only recommend the best available coverage to protect your rental property, from over a dozen very reputable and financially solid insurers. 
• Several of our insurance company partners have branch or head offices in Manitoba, which means you are insured by a company that understands your needs. Representing so many quality insurers gives us a real advantage when shopping for the best value for you.

• Your policy includes claims advocacy from our in-house claims experts. We want to resolve claims to quickly and to your permanent, everlasting satisfaction. Make a Claim. 

• We offer affordable packages, with a variety of payment plans to suit your needs.

As you’re making your rental income dreams come true, if you have any questions, your best bet is to contact us. We’ll take the time to understand your needs and provide clear, simple answers. After all, we do know the best ways to protect your moneymaking machine.