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Everyone’s home is unique. Let us help you protect yours.

Your home is often your single largest investment. Don’t put it at risk. If all you know about your home insurance is how much you pay, then it’s time to talk with Advocate. Always work with a licensed broker who will take the time to assess your risks and needs, explain options and help you make informed decisions so you can be confident about your home insurance.

Has water been on your mind? More and more clients are asking about what happens if they suffer water damage. Insurance companies have made many changes over the last few years in response to an increase in water damage claims. Unlike a direct writer and agent who can only offer you one company’s products, Advocate works with many insurance companies and will help you select the best insurance solution for you. We can discuss the different coverage options from various insurers and help you make the best decision for you.

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Know Your Options

1-888-278-7584

1-888-278-7584

Many of our clients have unique items that require careful attention – jewellery, art, sporting equipment. Contact us to discuss options for protecting your special items.

Call Advocate today for a Home 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.

Do I need additional coverage if I’m running a business out of my home?

Depending on the type of business you are running out of your home, you may require additional coverage. We will need to know if you have clients coming to your home, what type of business equipment, supplies or product you may keep at your home, the annual income generated from your home based business and the percentage of your home in which the business occupies, or if you have any employees. Generally, you will need to complete a Home Based Business questionnaire to determine your limits of coverage required.

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.

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.

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.

  • "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