{"id":3191,"date":"2021-06-07T14:25:30","date_gmt":"2021-06-07T21:25:30","guid":{"rendered":"https:\/\/nesika.ca\/?page_id=3191"},"modified":"2021-06-11T10:25:53","modified_gmt":"2021-06-11T17:25:53","slug":"homeowners-insurance","status":"publish","type":"page","link":"https:\/\/nesika.ca\/?page_id=3191","title":{"rendered":"Homeowner&#8217;s Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3191\" class=\"elementor elementor-3191\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d53f4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d53f4a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3eaddec\" data-id=\"3eaddec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b652dba elementor-widget elementor-widget-heading\" data-id=\"b652dba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your home is important - make sure it's protected<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d07268b elementor-widget elementor-widget-text-editor\" data-id=\"d07268b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>You have to ask yourself\u2026<\/em><\/p><p>What would you do if your home caught fire tomorrow? Are you confident that you\u2019re properly covered for the damages \u2013 or would you be required to pay for some or all of the repairs out of pocket?<\/p><p>These questions needs to be addressed before a disaster strikes because insurance can\u2019t be bought after the fact. Answering these questions means you can rest easy knowing that your broker took the time to make sure you have the right protection and your insurance carrier has your back.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed1c6b1 elementor-widget elementor-widget-heading\" data-id=\"ed1c6b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is home insurance for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dd6182 elementor-widget elementor-widget-text-editor\" data-id=\"2dd6182\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Home insurance covers protects you from the hazards that all homeowners face. Fire, theft, and accidents on your property are always a possibility. It also covers your personal property worldwide (as long as it normally resides in your home), jewellery in a safety deposit box, and your child\u2019s personal property while they are away at school.<\/p><p>Homeowner\u2019s insurance also covers your own personal liability worldwide and in your own home. If you were to accidentally cause the bathtub in your hotel to overflow and caused water damage \u2013 this is your personal liability insurance. When a dear friend slips and falls on your icy front step, breaking their leg and hitting their head \u2013 this is your homeowner\u2019s liability insurance as well.<\/p><p>Some coverages that home insurance offers are:<\/p><p>\u00b7\u00a0\u00a0\u00a0\u00a0 Hail and windstorm damage<br \/>\u00b7\u00a0\u00a0\u00a0\u00a0 Sewer backup and water damage<br \/>\u00b7\u00a0\u00a0\u00a0\u00a0 Umbrella (extra) liability insurance<br \/>\u00b7\u00a0\u00a0\u00a0\u00a0 Identity theft coverage<br \/>\u00b7\u00a0\u00a0\u00a0\u00a0 Cyber expense insurance<br \/>\u00b7\u00a0\u00a0\u00a0\u00a0 Replacement cost (new for old) coverage for personal property<\/p><p>When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.<\/p><p>When you see an independent insurance broker like Nesika Insurance Services, you have the chance to explore all your options for insurance, and protect the things that are most important to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1c7682 elementor-widget elementor-widget-heading\" data-id=\"d1c7682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Little known facts about home insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae312a elementor-widget elementor-widget-text-editor\" data-id=\"aae312a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are many things about insuring a home that most consumers aren\u2019t aware of. We are here to make sure you avoid potential problem areas, including:<\/p><ul data-rte-list=\"default\"><li><p>Many policies will not cover sewer back-up unless you purchase a special endorsement\u2014it\u2019s not expensive, but you won\u2019t get it if you don\u2019t ask for it<\/p><\/li><li><p>Damages caused by surface water or water that flows below the surface of the ground aren\u2019t usually covered (but some carriers allow you to add back in some coverage for surface water damage)<\/p><\/li><li><p>A standard Homeowners policy typically does not include Flood Insurance. Called \u2018Overland Water\u2019 coverage by many carriers, this can be added into most policies unless you live in a very high-risk area.<\/p><\/li><li><p>A standard homeowner policy only covers jewellery up to set limits (as low as $5,000!) if the loss results from theft or mysterious disappearance<\/p><\/li><li><p>Some cheap policies default to Actual Cash Value, which means that you won\u2019t get your property replaced if something happens \u2013 instead they\u2019ll determine a useful life and \u2018depreciate\u2019 the item. This means if you purchased a widescreen TV and home theatre system for $1,000 it may now only be worth $450, so that\u2019s all you\u2019ll receive on the claim. Replacement Cost insurance pays out the total replacement value (new for old) of your possessions, not their market value, in the event of a claim.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2714f5 elementor-widget elementor-widget-heading\" data-id=\"d2714f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">who needs to insure their homes?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b453c2 elementor-widget elementor-widget-text-editor\" data-id=\"6b453c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Unless you don\u2019t have a mortgage and comfortably have enough in the bank to rebuild your house if it were completely destroyed, you should have home insurance.<\/p><p>Even if you\u2019re a renter you should have renter\u2019s insurance in place to protect your personal property and worldwide liability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ade0c elementor-widget elementor-widget-heading\" data-id=\"d9ade0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Nesika Insurance Services Difference<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2eec20 elementor-widget elementor-widget-text-editor\" data-id=\"b2eec20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You may think you want the cheapest insurance you can find, but realise you may not be getting everything you bargained for \u2026<\/p><p>\u2026 While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. Minor differences in wording can mean major differences in what\u2019s covered after a loss.<\/p><p>You can be confident that all of the homeowner\u2019s insurance policies offered by Nesika are underwritten by premium markets that have a proven track record of paying their claims.<\/p><h3><em>There\u2019s no such thing as a one-size-fits-all insurance policy<\/em>. <a href=\"tel:6044489196\" target=\"_blank\" rel=\"noopener\">Call us at 604-448-9196<\/a> or send an email to <a href=\"mailto:info@nesika.ca\">info@nesika.ca<\/a> now to have our experts put together the policy that\u2019s right for you.<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your home is important &#8211; make sure it&#8217;s protected You have to ask yourself\u2026 What would you do if your home caught fire tomorrow? Are you confident that you\u2019re properly covered for the damages \u2013 or would you be required to pay for some or all of the repairs out of pocket? These questions needs [&hellip;]<\/p>\n","protected":false},"author":204792227,"featured_media":3490,"parent":1149,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ofc_meta_disable_footer_callout":"","ofc_meta_callout_button_url":"","ofc_meta_callout_button_txt":"","ofc_meta_callout_text":"","ofc_enable_fullscreen":"disable","ofc_fullscreen_speed":0,"ofc_fullscreen_nav":"enable","ofc_fullscreen_nav_pos":"right","ofc_fullscreen_nav_color":"","ofc_fullscreen_nav_tooltip_color":"","ofc_fullscreen_responsive":0,"osp_disable_panel":"default","osh_disable_topbar_sticky":"default","osh_disable_header_sticky":"default","osh_sticky_header_style":"default","osh_sticky_header_effect":"","osh_custom_sticky_logo":0,"osh_custom_retina_sticky_logo":0,"osh_custom_sticky_logo_height":0,"osh_background_color":"","osh_links_color":"","osh_links_hover_color":"","osh_links_active_color":"","osh_links_bg_color":"","osh_links_hover_bg_color":"","osh_links_active_bg_color":"","osh_menu_social_links_color":"","osh_menu_social_hover_links_color":"","footnotes":""},"class_list":["post-3191","page","type-page","status-publish","has-post-thumbnail","hentry","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Homeowner&#039;s Insurance - Nesika Insurance Services<\/title>\n<meta name=\"description\" content=\"Get your free Homeowner\u2019s Insurance quote from Nesika Insurance Services. 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