Home Insurance
Protect your home and your pockets, too.
Your home is more than just four walls – it’s your safe haven, a place to relax and unwind. At Erion, we shop multiple providers to find you the best home insurance policy, tailored to protect what matters most while keeping your budget in check.
Secure Your SpaceAs Niagara’s insurance brokers, we understand your home insurance needs.
For years, we've proudly helped Niagara homeowners secure customized and reliable home insurance. Whether you're a homeowner, condo dweller, cottage enthusiast, or tenant, our team is dedicated to finding the right insurance coverage tailored to your specific needs.
HomeInsurance
Protect your biggest investment with a plan tailored to keep your home safe from life’s surprises. Whether it’s fire, theft, or natural disasters, our home insurance has you covered, offering peace of mind when you need it most.
CondoInsurance
Condo living comes with unique needs—and our condo insurance fits right in. Get protection for what’s inside your unit, from personal belongings to upgrades, while supporting shared building responsibilities.
CottageInsurance
Our cottage insurance covers your home-away-from-home, whether it’s for seasonal retreats or year-round escapes. Safeguard your property from deck to dock so you can focus on making memories without worry.
TenantInsurance
Designed for folks who rent their home, our tenant insurance covers belongings from the unexpected - like fire or water damage. Enjoy liability coverage for added security in your rental space!
Comprehensive home coverage catered to you.
At Erion, we believe that your home insurance should be as unique as you are. From safeguarding your property against damage to covering your personal possessions and liability, we ensure that all your insurance needs are met with precision and care. We’ve got you covered so you can focus on making memories, not worrying about "what ifs."
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Additional LiabilityThe option to boost your liability coverage to safeguard you from claims that exceed your basic policy limits.
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Betterments & ImprovementsProtects the investment you've made in upgrades to your condo unit, like a new kitchen or flooring.
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BuildingCovers the main building with any attached structures, but don’t miss on adding insurance for the detached or secondary building like garages or sheds.
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Common ElementsWhen the Condo Corporation’s Insurance is deficient to repair common areas, this helps with coverage for your portion of the short fall.
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Fair Rental IncomeKeeps your rental income flowing when a claim causes your property to become uninhabitable, covering lost income up to your policy’s limits for the duration of repairs.
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Home BusinessIf you operate a small business from home, this coverage can protect your equipment and add liability for business activities.
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Identity Theft ProtectionWhen your Identity is stolen, this provides resources for recovery, credit monitoring services and contributions to your legal fees, which helps safeguards your finances and protects your identity.
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LiabilityFinancial protection for injuries or property damage to others that occurs on your property.
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Additional Living ExpensesIf a disaster forces you out of your home, this covers temporary living costs like hotel stays, meals, and storage.
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Personal Property FloatersCustomized protection for high-value items like jewelry, artwork, or collectibles, ensuring they’re defined and covered.
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Condo Unit Additional ProtectionProvides coverage, up to your policy limits, if the condo corporation’s policy doesn’t cover you and your condo unit adequately.
Reliable home insurance for every corner of your life.
Secure My Home TodayYour FAQs answered.
Have questions about insurance? You're not alone! From coverage details to claims processes, we’ve compiled answers to the most common inquiries to ensure you have all the information you need.
Read All Our FAQsA home inventory list can help you understand the costs of replacing items and you can assess that against the limits offered under your insurance policy. However, most clients find that a comprehensive policy provides more than enough coverage limits.
Water insurance coverage can be complex, and every home has its own unique risks when it comes to water damage. Factors like your property’s proximity to bodies of water or the local sewer system can affect coverage options and costs. Our team of insurance brokers is here to help you navigate these complexities. We’ll work with you to find the right coverage for your specific needs and explain important coverage details and limitations.
Have fun, relax, and read a good book. Oh, and ensure that someone is checking on your home daily. They should look for water leaks, temperature changes within the house, and signs of forced entry.Definitely DO NOT announce your vacation on social media. It’s hard to relax on holiday with a big red target on your back.
It is highly recommended that you purchase insurance protection. From water damage to accidental fires, you could be held responsible for costly repairs. Protect yourself and your belongings with tenant insurance and gain peace of mind.
Replacement cost is the amount we would pay to replace your home if it were damaged beyond repair. Replacement cost isn’t just the value of your home - it could also include permit costs, labour, removal of debris, etc.
There are many factors that determine your home insurance. The big ones are:
- The deductible you’ve chosen
- Your home replacement cost
- The age of your roof
- Your location
- The type of wiring in your home and whether you have breakers or fuses
- Your home’s heating system
Yes! We can help you find coverage options for a second home or vacation property. There are unique considerations, so we’ll work together to find the right policy for your needs.
It depends on the type of renovation. Some upgrades might require adjustments to your policy, especially if they increase the value of your home. Contact us before any major projects to ensure you’re properly covered.
Yes, home insurance rates are reassessed annually. Since insurance is built on a shared-risk system, factors like claims and shifts in the market can affect premiums. Rest assured, we’re here to guide you through any changes and ensure optimal coverage.
You bet! Bundling your home and auto insurance can offer savings, plus the ease of managing all your insurance needs with Erion. We make it simple and convenient to keep everything under one roof.