Property At Holman Insurance Brokers Ltd. our objective is to find the best solution for your insurance needs. For Homeowners and Condominium owners your house is the greatest investment you will make in your lifetime. And it’s not just a house, it’s your home. We want to help protect your investment. The typical homeowner's insurance policy provides coverage in the event of such disasters as windstorm, fire and theft. The extent of the coverage depends on the type of policy. An "all risk" or comprehensive policy offers the broadest coverage. This covers all perils except those specifically excluded. A homeowner's policy also includes coverage for your personal liability, world-wide. Please ask us about important coverages such as "guaranteed replacement cost", what "sewer back-up" really means and coverage for your valuables. Insurance Discounts Our objective is to find the best solution for your insurance needs. We match our customers with the best insurance company in terms of coverages and price. All of our companies offer discounts. By finding value for our customers, Holman Insurance Brokers Ltd. has become a leading insurance broker. Multi-Policy Discount If you insure your car and home with the same company, it will offer you a discount off both your car and your home. Deductible Discount If you choose a higher deductible you can save money! But don’t make this decision lightly. Please discuss the option with your broker. Maturity/Senior Discount Most of our companies offer discounts based on your age. Many of our companies also offer the following discounts: Mortgage Free Claims Free Loyalty New Home Non smoking Brick Construction Shuttle Tanker Did You Know? It pays to put your home and auto insurance together! Many of our companies offer multi-policy discounts. For Landlords, from small property owners with one or two rentals to larger landlords with a large schedule of properties..We can provide professional advice on how to value your investment, how to protect yourself from liability claims and how to obtain coverage for your lost rents in case of a claim. For Cottage Owners, If your home is your greatest investment, your cottage is probably next. In addition to being a large financial investment, you have a great emotional attachment to where you spend your down time. Cottage policies are not all the same. There are different coverage options. They depend on what kind of coverages you require, and how often you visit the cottage. Other considerations include distance to a fire hall, and whether roads are open in winter, for example. For Renters, many people don’t think they need insurance as a renter, but we strongly recommend it. Tenant insurance provides coverage to replace your contents and you also need insurance to cover your liability. A tenant’s package provides both for only a few dollars per month.