Personal insurance is essential for safeguarding your home, belongings, and loved ones, providing peace of mind and financial protection against unexpected events.
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Personal Insurance Coverage

At Sutherland Insurance, we understand that your personal assets and well-being are incredibly important. That's why we offer a wide range of personal insurance products like home insurance, auto insurance, life insurance and more to protect you and your family from unexpected events. Our personal insurance solutions provide comprehensive coverage tailored to your specific needs.

Why Choose Sutherland Insurance for Personal Insurance?

  • Customized Solutions: We know that each individual and family has unique insurance needs. Our team works with you to create personalized insurance quotes suited to provide the right coverage for your lifestyle.
  • Professional Advice: Our experienced insurance advisors are here to help you navigate the complexities of personal insurance. We offer knowledgable advice to ensure you understand your options and make informed decisions.
  • Reliable Protection: At Sutherland Insurance, we partner with dependable insurance providers, ensuring you have peace of mind knowing you are well-protected.

Sutherland offers several types of coverage for personal insurance, including:

Home Insurance: Home insurance is a vital form of property insurance that can cover losses and damages to an individual's house and assets in the home.

Condo Insurance: Condo insurance is a type of property insurance designed specifically for condominium owners and differs from home insurance.

Auto Insurance: Car insurance is a legal requirement in Ontario and serves as a crucial layer of financial protection as it can cover the costs associated with repairs or sometimes even replacement of your vehicle following an accident.

Home and Auto Bundle: Combining your home and auto insurance not only simplifies your insurance management but can also unlock exclusive savings and benefits.

Collector Car Insurance: If your car is considered a classic due to its age, rarity, or high-value qualities, you should consider classic car insurance for protection.

Tenant and Renters Insurance: Renter and tenant insurance can protect your personal property and provide liability coverage.

Seasonal Property Insurance: Cottage and seasonal property insurance solutions are designed to give you peace of mind, knowing that your retreat is protected.

Life Insurance: Whether you're looking to cover final expenses, pay off debt, or ensure your family's financial stability, our life insurance solutions are designed to meet your needs.

Travel Insurance: Travel insurance can provide protection for you wherever you go.

Boat Insurance: Boat insurance offers comprehensive financial protection for boat owners.

Umbrella Liability Insurance: Personal umbrella insurance provides additional liability coverage beyond the limits of your standard home, auto, and other personal insurance policies, offering extra protection against significant claims and lawsuits.

How Much Does Personal Insurance Cost?

Every policy is different, Sutherland Insurance works with you to create a personalized quote fitted to your needs and wants.

To get an accurate quote, it's crucial to speak with one of our qualified brokers. Request your free quote today.

Frequently Asked Questions

Should I have Home Insurance?

While the government doesn't require you to purchase home insurance, your mortgage-holder probably will — at least enough to cover its share of ownership. There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should discuss these carefully with us. You may also buy specialized insurance to cover a condominium, home business or other kind of property or valuables found in the home. Home insurance includes liability coverage for people who are hurt on your property.

Should I have Auto Insurance?

If you own a vehicle, you should have adequate liability, collision and comprehensive, accident and medical benefits coverage. Liability coverage pays if you injure someone else or damage another vehicle. It also pays if another party hurts you or damages your car, but doesn't have liability insurance. Collision insurance may pay to repair your car if it is damaged in a crash. Comprehensive coverage may pay for other forms of damage like fire and theft. Accident and medical benefits coverage pays medical expenses and disability and death benefits.

Do I need Tenant Insurance?

Most people are surprised at the value of their personal property if they were to add it up and have to replace it all immediately. Think about your furniture, clothing, electronic equipment, and then try to put a price tag to it all. So you may not think that you have much, but tenant insurance will take care of you. Tenant insurance provides coverage for: Additional Living Expenses (if you had to vacate your premises due to an insured peril), Personal Liability (if you unintentionally cause bodily injury or property damage), Premises Liability (legal liability arising out of your occupancy), and Tenant's Legal Liability (for unintentional damage to the premises or contents you are renting).