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Sutherland Insurance offers tailored insurance coverage to fit your lifestyle.

Home Insurance

Home insurance, also known as homeowners insurance, is a vital form of property insurance that covers losses and damages to an individual's house and assets in the home. Providing a safety net against financial losses due to disasters, theft, and accidents, home insurance policies typically include coverage for the interior and exterior of the house, loss or damage of personal assets, and liability for accidents that may occur at the home. Ensuring you have comprehensive home insurance offers peace of mind, knowing that you and your house are safeguarded against potential risks.

Coverage includes

  • Home structure excluding land
  • Detached or outdoor structures such as the garage, pool, gazebo or shed.
  • Contents with some specific limitations on certain items such as Jewellery, Road or Mountain Bikes or other collectibles.
  • Personal liability to cover you and your family if someone is injured or you accidentally damage property belonging to others anywhere in the world.

A home insurance policy can be tailored to address the unique risks of your specific home, but there are common inclusions and terms you should be aware of. Limits refer to the maximum amount of money the home insurance policy will pay for a covered claim. Deductibles are the amount of money you must pay out-of-pocket before the home insurance policy will contribute toward the covered claim. Understanding these terms is crucial for ensuring your home is adequately protected by your home insurance policy.

Read about essential tips and practices to maintain your home's safety and integrity to minimize the risk of incidents that could lead to insurance claims.

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