Home & Property

Home Based Business

Insurance

Congratulations… you have a home based business. We love that Canadian entrepreneurial spirit! You likely know that this changes your insurance requirements and your insurance company will need to know the details about your home based business.

Each business has unique risks and needs. Maybe you work at your home office in isolation. Maybe you have clients coming and going throughout the day. Maybe you’re mailing out products to people. Each scenario changes the coverage you need to protect yourself and your business.

It’s time to talk with Advocate. We’ll work with you to understand the needs of your business and help you find solutions that are right for you. We’ll show you how you can protect your home and your business.

Get a Quote

Know Your Options

1-888-278-7584

1-888-278-7584
Call Advocate today for a Home Based Business Insurance quote.

How does earthquake coverage work?

Earthquake coverage is not standard coverage on your personal property insurance and must be purchased as separate coverage on your policy. Each insurance company’s rates vary. If you are interested in adding Earthquake coverage to your policy please contact our office to discuss the different rates and coverage limits offered.

How do I know what home insurance coverage I need?

There is a lot to consider when you’re purchasing property insurance. Assessing hazards, managing risks, selecting the right insurance company, appraising values, picking coverage and limits. The list goes on. Your home is likely your most expensive asset. Please don’t put it at risk by not having adequate coverage in place. Take the time to work with a licensed broker who will listen to your needs, shop the market and present options so you can make an informed decision. We would consider it a privilege to help you with your home insurance.

Do I need additional coverage for high value items such as jewellery or artwork?

We want you to be confident that your valuable items are protected. We recommend that they be scheduled on your policy separately and insured to value. Current appraisals are generally required in order to add this coverage to your policy. Please contact us to discuss what options are available to you for scheduling your high value items. We will be happy to prepare a quote for you.

What is credit scoring and how does it work?

Many insurance companies use credit scoring to assist in determining the rates of insurance premiums for home insurance policy. When a credit score in ordered by the insurance company, this is a “soft-hit” against your credit score and will not have an impact on your overall credit rating. You are at choice as to whether you want to participate in credit scoring. The information generated from the credit scoring can only be used to help in reducing the premium for your policy. Credit scoring cannot be used to negatively impact your premium or penalize you. Please contact us to confirm if your current provider uses credit scoring when determining your personal property insurance premium and whether you might be eligible for reduced premiums.

What is overland water coverage and how does it work?

Water. Water. Water. We’re hearing a lot about that lately due to an increase in severe weather. If there is a silver lining here it is that the increase in water damage losses have caused the insurance industry to find new ways to protect clients. Many insurance companies have enhanced their policy wording so more coverage is available than in the past. For example, Overland Water is now available. This provides coverage for, “fresh water from rivers and lakes, or water suddenly accumulating from heavy rainfall or spring thaw.” Please recognize that this is not flood coverage.

Please be aware that you have to request this coverage and be eligible to have it added to your policy.

If you want to discuss water coverage options, please contact our office and will be pleased to speak about your needs.

  • "We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."

    - S. Hunter
  • "After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."

    - D. Kalinowski
  • "Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"

    - D. MacDougall
  • "I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."

    - C. Johnson
  • "We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."

    - S. Hunter
  • "I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."

    - C. Goga
  • "My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."

    - J. Anthony
  • "I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."

    - D. Kalinowski
  • "With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."

    - K. Crane
  • "Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."

    - S. Dunn