Is my house covered while I am away on vacation?

Yes it is, however freezing of pipes is not covered if you have been away from your home for more than four consecutive days. However, you will still be insured if you arrange for someone to enter your dwelling daily to ensure the heating is being maintained or if you shut off the water supply and drain all of the pipes and appliances.

What information should I collect if my property was damaged or broken into?

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.

How can I file a property claim?

If you are submitting your claim during normal business hours, you can contact us directly via phone at (519) 268-3535 and one of our claim’s adjusters will support you throughout the process.

Why do I need sewer back up coverage if I have a septic tank?

Sewer back up coverage also includes the backing up of sewers, septic, drains, eavestrough and downspouts.

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If you’re shopping around, feel free to request a quote or give us a call and we are happy to have a chat about your options.

Some of the best moments in life happen at home – and it’s important to make sure that your property, personal belongings, and family’s peace of mind are protected.

Our brokers want you to get the most out of your home insurance policy, and we are committed to helping you find a comprehensive, flexible, and personalized package that works within your budget.

If you’re ready to explore your options today, our brokers are here to help! Feel free to request a quote or give us a call and we are happy to have a chat.

“I’ve had my insurance with Derek and Owen for over 15 years. They provide competitive rates and excellent customer service. They are always available to assist, even after hours. I’ve called their cell on a Saturday morning when I had questions and needed help with a claim. They walked me through the whole process and made me feel very at ease. I would recommend their services to anyone!”

Katie M.

“I have been with Dorchester Insurance Brokers since my first car and first home years ago and they have always been helpful. It’s great to tell Derek what I need and he figures out what works best for my situation. I wouldn’t think of looking elsewhere.”

Johnathon B – London

Client since 2008

“I’ve been taken care of by Dorchester Insurance Brokers for over a decade now and have always had a great experience. Owen is fantastic at keeping our best interests in mind and making sure we have the best possible coverage. He’s always so pleasant to work with and his prompt responses are very much appreciated. Overall, highly recommended!”

Shannon B.

Client Since 2005

“I have been a client of Dorchester Insurance Brokers since 2009, and am very satisfied with the service I receive from my insurance broker Derek Thornton. He provides valuable advice to ensure my family has the coverage we need at a great price. Derek is accessible, responsive, and proactive. I highly recommend both Derek, and Dorchester Insurance Brokers.”

Christin F – Oshawa

Client since 2009

Frequently Asked Questions

PROPERTY

Cottage insurance is for people who own a second vacation home that they either use themselves or rent out to tourists. It covers liability as well as coverage for damages or theft.

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.

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.

Yes, we help clients bundle their home and auto insurance policies all the time – it’s actually a great way to save on the overall cost of your insurance.

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