Stay Safe After Intense Weather
Brampton, Ontario, has a comfortable population of about 650,000 people and a relatively low cost of living in the Toronto area. In 2021, Brampton was among the top 15 cities in Canada’s Best Communities list from Maclean’s. Despite the city’s reputation for safety, families still need home insurance in Brampton to protect against unexpected disasters, such as extreme weather events.
In 2022, a series of severe storms triggered large hail, torrential rains, lightning strikes and fallen trees. These storms resulted in over $1 billion in damages to Ontario homes and businesses. Intense straight-line winds destroyed roofs and caused trees to fall onto Brampton houses and other structures. In total, severe weather events throughout 2022 caused more than $3 billion in damages in Canada.
Sadly, weather extremes are common in Brampton. During summer, temperatures often reach 34 degrees Celsius. In 2018, this heat contributed to over 1,325 fires in Southern Ontario. In winter, Brampton temperatures drop below freezing for approximately 140 days every year, or over four months. Freezing rain, snow and ice can cause many problems for Brampton homes.
Important Types of Home Insurance in Brampton
To protect your home, your family and your finances, you need to prepare in advance for intense weather. You need to select the right type of home insurance in Brampton for common dangers. At HUB International, we provide a wide range of insurance solutions and coverage options.
Dwelling Insurance
One of the most important types of insurance coverage, dwelling protection covers damage to your home’s foundation, roof, overall structure and walls. It also generally covers permanent extensions, such as an attached garage or deck.
This coverage can help you repair damage to your home in many situations, such as when hail breaks windows or damages the roof. When damage is excessive, dwelling insurance can also cover the cost of replacement. Other commonly covered situations include fires, fallen objects, vandalism and break-ins.
Flood Insurance
When choosing home insurance in Brampton, it’s important to make sure that your policy offers enough protection against potential flooding, water damage, sewer backups and frozen pipes. This may mean getting separate flood insurance or additional coverage for your home. Our friendly team can help you analyze your needs.
Additional Structure Protection
Dwelling insurance only covers structures that are attached to your home. If you have a detached garage, outdoor kitchen, barn, workshop or another type of independent structure, you can add insurance protection for these buildings on your home insurance policy. That way, you take good care of your investment and potentially save money in the long run.
Personal Property Insurance
While dwelling coverage can help you deal with the damage related to break-ins, theft and fires, personal property insurance covers the cost of replacing stolen or damaged goods, such as electronics, furniture, heirlooms and clothing items. Keep in mind that high-end items, such as expensive jewelry or artwork, may need additional coverage.
Liability Coverage
To avoid financial problems, you also need to protect your finances against legal liability. If someone gets injured while visiting your home, the person may decide to sue. This can happen if a visitor slips on icy stairs or falls on wet grass in the backyard. Liability coverage can help you deal with the costs in this type of situation.
Medical payment coverage is similar, but it takes care of minor medical expenses no matter who is at fault. That way, you can avoid uncomfortable conversations with friends and family.