Insurance Brokers In Manitoba, Canada

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Crafting the Perfect Home Insurance Solution for You

At Guild Insurance, we understand that finding the right home insurance can be a daunting task, whether you’re a seasoned homeowner or a first-time buyer in beautiful Manitoba. We recognize the significance of your home and its contents – the very essence of your comfort and security.

Consider this: Could you easily replace your most cherished material possessions? For most of us, it’s a challenging thought. Home insurance ranks among the most vital investments you’ll ever make to safeguard the things you hold dear.

Our partnership with multiple trusted insurance providers allows us to offer personalized home insurance products that stand out in Manitoba’s insurance landscape. As a digital insurance brokerage, our reach extends to the heart of Winnipeg and throughout the entire province of Manitoba.

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Our dedicated team is here to guide you in evaluating your unique home insurance requirements and tailoring a policy that offers precisely the protection you need. At Guild Insurance, exceptional customer service is our hallmark.

Our goal is to ensure you fully comprehend your coverage and facilitate the entire process. We firmly believe that, much like your favorite outfit, one-size-fits-all doesn’t apply when it comes to home insurance.

Home insurance policies, within the Guild Insurance Group, come with customizable coverage options designed to cater to your individual needs. This typically includes protection for your dwelling, detached structures, landscaping, personal property, and personal liability.

Unfortunately, life sometimes brings insurance claims our way. In such times, you can count on Guild Insurance to be your steadfast companion throughout the claims process. We want you to experience peace of mind, secure in the knowledge that we’ve got your back whenever you need us.

Home Insurance Coverages

A personalized home insurance policy is an important investment for homeowners. It provides financial protection against a range of potential hazards and risks that can damage or destroy your home and its contents.

Some of the most common perils covered by a standard home insurance policy include fire, theft, hail, and lightning. In the event that your home and its contents are damaged or destroyed by one of these covered perils, your home insurance policy can help pay for the cost of repairs or replacement.

Personal Liability Protection

Having adequate personal liability coverage is a crucial aspect of any home insurance policy. This type of coverage provides financial protection for you in case you are sued for causing injury or damage to another person or their property. This includes incidents caused by your pets as well.

At Guild Insurance Group, we recommend that our clients have a minimum of $2 million in personal liability coverage, as the cost to increase coverage from a standard $1 million limit is often minimal. This higher coverage amount provides extra peace of mind, as it increases the financial protection you have in case of a lawsuit.

Personal liability coverage not only pays for damages you may cause, but also for the costs of defending you in court. This includes legal fees, court costs, and any court awards up to the limit listed on your policy.

It's important to remember that even if you are a responsible and cautious individual, accidents can still happen. Personal liability coverage provides a safety net in case of the unexpected and can help ensure that you are protected against the financial consequences of a lawsuit.

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Additional Living Expenses

Additional living expenses are expenses that you incur when you are unable to live in your home due to a covered loss, such as a fire or a natural disaster. These expenses can include things like temporary housing, meals, and transportation.

Most home insurance policies include coverage for Additional Living Expenses as part of their standard package. The coverage typically pays for reasonable and necessary expenses that you incur while your home is being repaired or rebuilt, up to a certain limit. This limit is usually specified in your insurance policy and is expressed as a percentage of your total coverage amount.

Examples of Additional Living expenses that may be covered by your home insurance policy include:

  • Temporary housing or hotel costs
  • Meals and other food expenses
  • Transportation costs, such as gas and parking
  • Laundry and dry cleaning expenses
  • Storage fees for your belongings while your home is being repaired
  • Increased costs of living, such as higher rent in a temporary location

It's important to understand the specifics of your home insurance policy and what is covered under the ALE portion of your policy. This will help you plan for and budget for any additional expenses that may arise in the event of a loss. Your insurance broker can provide more information about what is covered under your specific policy.

Voluntary Medical Payment

Voluntary Medical Payment coverage, offered by Guild Insurance Group, provides payments for medical costs incurred by someone who is injured on your property. This coverage can be a valuable addition to your home insurance policy, as it offers financial protection for unexpected medical expenses, even if you're not legally responsible for the injury.

This type of coverage can help alleviate the stress of minor medical claims by offering a quick and efficient solution. Coverage typically ranges between $5,000-$10,000, with no deductible. This means that if a visitor or houseguest is injured on your property, costs related to their medical treatment, such as ambulance rides, hospital expenses, dental care, physiotherapy, and funeral costs, can be covered.

Voluntary Medical Payments can be made at your discretion, and only approved expenses qualify for coverage. They are available for up to one year following each injury, offering peace of mind and protection against unexpected financial costs. Speak with your insurance broker at Guild Insurance Group to learn more about how Voluntary Medical Payment coverage can benefit you and your household.

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Additional Available Coverages

At Guild Insurance Group, we understand the importance of having a comprehensive home insurance policy that provides the right coverage for your specific needs. While a standard home insurance policy provides basic coverage for your home and belongings, there may be other endorsements or additional coverages that you might consider to further protect against unexpected events.

Examples of additional coverages or endorsements that you can add to your home insurance policy include:

  • Sewer Backup coverage: This coverage provides protection for your home and belongings in case of a sewer backup, which can cause significant damage to your property.
  • Overland Water coverage: This type of coverage provides protection for your home and belongings in case of water damage caused by rising water from rivers, lakes, or other bodies of water.
  • Water Damage coverage: This type of coverage provides protection for your home and belongings in case of water damage from a variety of sources, such as broken pipes, leaks, and other water-related incidents.
  • Service Line coverage: This type of coverage provides protection for the service lines running to and from your home, such as water, gas, and electrical lines.
  • Additional Floaters: This type of coverage provides higher limits for specific items, such as jewelry, art, or collectibles, that may not be fully covered under your standard policy.

At Guild Insurance Group, we work with you to understand your specific needs and help you build a home insurance policy that provides the right coverage for you

Personal Property

Start looking around your kitchen, bath, bedrooms, storage room, rec room, and garage.  Your list will likely grow pretty quickly! In the event of a loss or damage, a home inventory video or checklist can be invaluable.

Your insurance company will ask you to provide the claims specialist with a complete inventory of the property that was damaged or destroyed. After you have completed your home inventory video or checklist be sure to keep it in a digital format that can be accessed outside your home.

If you send it over to your Insurance Broker at Guild Insurance Group we can keep it on file for future reference.

Have You Documented All Your Stuff?

A home inventory checklist is a comprehensive list of all the items in your home and their estimated values, which is useful for insurance purposes or estate planning. Here are some steps to create one:

  1. Gather all the necessary information: The information you will need includes the item's description, purchase date, purchase price, model number, serial number and any other relevant information.
  2. Decide on the format: There are many options to choose from such as a spreadsheet, a written list, or a mobile app. Choose the one that works best for you and is easily accessible.
  3. Start room by room: Go through each room and make a list of all items in the room, making sure to include all items in drawers, closets, and cabinets.
  4. Include photos and videos: Take photos or videos of each item, especially the more valuable items. These photos and videos can be added to your checklist and stored with your insurance company.
  5. Update regularly: Regularly updating your inventory list is important as you add or remove items from your home.
  6. Store the list in a secure location: Store the list in a secure location like a fireproof safe or online storage.
  7. Share with loved ones: Consider sharing your inventory list with a trusted family member or friend in case of an emergency.

By creating and maintaining a home inventory checklist, you can ensure that your valuables are protected and can easily make insurance claims in case of theft, damage or loss. Think about all the items below you have in your home, garage, patio or shed that can add up really quickly.

  • Bicycles & Sporting Equipment
  • Fine arts & Collectibles
  • Watches & Jewellery
  • Patio Furniture
  • Electronics & Accessories
  • Lawnmower & Snow Blower
  • Clothing (from day-to-day wear to coats and shoes)
  • Appliances, Dishware & Utensils
  • Furniture & Textiles (blankets, pillows, etc)
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Frequently Asked Home Insurance Questions

Home insurance is a must-have protection for every homeowner. Not only will your bank or mortgage lender require that you have a home insurance policy in place, but you will also want one and need one for safety and peace of mind.

If something happens and your property is damaged, or you have a house fire, your property insurance policy will be your saving grace.

Despite the importance of home insurance; there is still a lot of confusion about it. Homeowners or prospective homeowners are often not 100 percent clear on what impacts the cost of their premiums, what their policy covers, and what it doesn’t—among other things.

Below we have walked through some of the most common questions about homeowner’s insurance, to help you understand some of its important nuances.

To Wrap It Up

There are a lot of different factors to consider when shopping for home insurance. You need to think about the location of your home, the risks you are undertaking, the value of your possessions, and your budget—just to name a few things.

Your bank may also require you to have certain types of coverage, in which case the choice ends up being out of your hands. Educating yourself about how home insurance works, what you can do to lower your premiums and other topics discussed above will help you find the coverage that is best for you and your family.