Personal Insurance

Let us help protect your personal assets, from your car, to the place you call home, and the belongings within it. For the things that matter most, Sutherland Insurance has you covered.
Get a Free Quote

What Does Personal Insurance Cover?

Personal insurance protects your assets from theft, damage, liability, and more. And while most policies are not legally required, paying for damages out of pocket can be expensive. 

Having coverage for your most valuable assets can protect you from expensive repairs, medical bills, and even lawsuits.

What Type of Personal Insurance Do You Need?

The personal insurance policies we recommend change from one person to the next. Every person’s assets are different, which means the coverage options they should consider are different too.

Sutherland offers several types of personal insurance policies, including:
Home Insurance: can provide compensation for property damages or losses, as well as your belongings and other structures on your property. It may also cover medical bills if someone is injured on your property.

Condo Insurance: similar to home insurance, but designed for condo owners who aren't responsible for insuring the building’s exterior or shared spaces.

Auto Insurance: helps cover repair or replacement costs after an accident, and is legally required for vehicle owners in Ontario.

Home and Auto Bundle: bundling home and auto insurance simplifies your coverage and can offer additional savings.

Collector Car Insurance: protects vehicles that are valuable due to their age, rarity, or uniqueness.

Tenant and Renters Insurance: protects your personal property and provides liability coverage when renting a home or apartment.

Seasonal Property Insurance: ensures your vacation home or seasonal property is protected even when you aren’t there.

Life Insurance: helps you plan for the future by providing funds to cover final expenses, pay off debt, or ensure your family's financial stability.

Travel Insurance: can cover a variety of travel-related issues, such as emergency healthcare or trip interruptions and cancellations. 

Boat Insurance: comprehensive coverage for boat owners.

Umbrella Liability Insurance: extra liability coverage beyond your regular home, auto, and personal insurance policies.

How Much Does Personal Insurance Cost?

Every policy is different, and greatly depends on what assets you have. The cost of your insurance depends on:

• Age
• Location 
• Policy type
• Marital status
• Annual income
• Coverage limits
• Employment status
• Insurance claims history

To get an accurate quote, it's crucial to speak with one of our qualified brokers to understand your unique situation.

Get a Free Quote

Why Should You Choose Sutherland Insurance for Personal Insurance?

As an insurance broker, we are able to work with a range of insurance providers to help you find the best policies for your needs. Our goal is to find the best combination of coverage, service, and price that matches your needs and budget. 

With Sutherland Insurance, you can expect:

• Customized solutions. Every individual and family is different, and our team will work with you to create personalized insurance quotes that cover what you need at a price you can afford.
• Professional advice. Our experienced advisors walk you through the complexities of insurance so you understand your options and can make informed decisions.
• Reliable protection. We only partner with dependable insurance providers, and have a 24/7 line available so our clients are never alone should something happen.

Frequently Asked Questions