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Property Insurance
Your property is an investment, and having the right coverage is important. From basic home insurance to specialized protection for your condo or cottage – Dorchester Insurance can help you find the perfect plan for your situation.
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Looking for a place to start? Fill out this simple form and we will be in touch with your personalized quote.
Frequently Asked Questions
PROPERTY
Your home is insured to the amount of coverage needed to rebuild your home from scratch in the event of a total loss. This factors in things like labor costs, debris removal and material costs. It is often higher because it is serving a different purpose than a tax assessment or a real estate evaluation.
Insurance brokers work for their customers, whether they are individuals or businesses. They research the market for coverage options, share those options with their clients, and then help them apply for and purchase coverage from insurance companies. Brokers also shop renewals amongst all the companies they have access to each year. They can also help assess risks and provide claims assistance.
If your property was damaged or broken into, you should do the following:
- Document exactly what happened
- Note the time and location of the incident
- Take as many pictures/videos of the damage as possible
- Make a list of any items that are damaged or missing
- Keep all receipts of any expenses associated with the incident
- Keep a record of any investigating officers including name, badge number, and occurrence number.
Most of our insurance partners will provide a discount after you have been claims free for 3 or more years. The claim will be considered on your record for 5 years in total.
We work with many different insurance companies and each company offers a variety of different payment options. Some of these options include monthly pay plans, 3 pay plans, payment in full, credit card payment, Interac E-transfer, and online payments. Let us know which plan works for you and we will help you find a solution.
Bundle and Save
We understand that every penny counts! Insure multiple properties or combine your home and auto to get some great savings.
We’ll Shop for You!
We love finding not just great deals, but the best deals. Let one of our brokers shop multiple insurance providers for you.
Looking to Switch?
If you feel like you’re not getting the most out of your current property insurance plan, don’t worry. We can help you shop and switch to something that works better for you and your family.
Your Neighborhood Brokers
Independent and locally owned – we’re not just invested in this community, we’re invested in the people who live here. When you’re ready to chat about insurance, our brokers are here to listen.
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As your local insurance brokers, we want to make sure you have the best information available to make educated decisions around your insurance needs.
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