Living in Cobourg means you are living just east of the great City of Toronto. It also means that you most likely need good home insurance. There are several Insurance companies and brokers in Cobourg to provide these types of insurance products.
- Insurance Protection Group
- Co-Operators Insurance
- Elliot Insurance
- Ted Harp Insurance
- Gordon Insurance
- McDougall Insurance
- Bryson Insurance
- W.B. White Insurance
- Beyond Insurance
- PRL Insurance
Insurance Protection Group
Originally the Insurance Protection Group was founded as Bailey McNichol Wilson Insurance back in 1940. As of March 2008, it became known as the Insurance Protection Group as a result of the company taking over Bullock Insurance and Pakenham Insurance. Among the different insurance products offered by the company home insurance is one of these. They provide these products as brokers.
Insurance Protection Group Home Insurance Highlights
- The company offers a variety of different policies.
- They focus on personalizing home insurance coverage.
- Comprehensive homeowners coverage is available with additional add-ons.
Insurance Protection Group Home Insurance Discounts
- Claims-free discount if claims are free for three years.
- New home discount – if the hold is built in the last ten years.
- Mature discount for clients fifty-five or older.
- Bundle discount.
- Non-smokers discount.
The Co-Operators Home Insurance
Co-Operators is a well-known name in the insurance industry and is also well recognized by many homeowners. This is an insurance company that sells its insurance products through agents. The company has a full offering of home insurance packages to meet the needs of those living in Cobourg,
Co-Operators’ Home Insurance Highlights
Co-Operators realize that there are various needs for home insurance. To meet these needs, the Company offers a variety of home insurance packages.
Prestige Plus
- Geared for high-valued homes
- Can be customized
- Offers comprehensive coverage
- Add-ons available
Prestige
For the average homeowner that wants a comprehensive cover with some added extras.
Classic
Perfect for those who want good basic coverage but at a lower cost.
Co-Operators Home Insurance Discounts
- Discount for homes built in the last ten years
- Mature client discount
- Security system discount
- Fire sprinkler discount
- Auto water shut-off discount
- Multi-product discount
- Claims-free discount
- Co-Op housing discount
- Mortgage free discount
Elliott Insurance Services
This is a brokerage insurance firm that services the Cobourg area for their home insurance and other insurance needs. They are independent brokers, and they have teamed up with some quality insurance companies to provide the best home insurance rates according to each client’s needs.
Elliott Home Insurance Highlights
A basic insurance package that covers;
- Dwelling
- Personal Property
- Additional Living Expenses
- Liability
Then this insurance company feels that you can personalize this basic coverage with optional coverages such as;
- Overland or groundwater protection
- Sewer backup
- Earthquake
- Special items riders
- Umbrella Liability
Elliot Home Insurance Discounts
- Multi-policy discount
- Combined policy discount
- Deductibles discount
Ted Harp Insurance Agency Ltd
This Insurance provider is acting as an agent on behalf of State Farm Insurance. Most are familiar at least with the name State Farm. But, there may be many that are not familiar with the type of home insurance that is offered via the State Farm agents on behalf of the State Farm insurance company.
State Farm Basic Home Insurance
State farm keeps what they have to offer simple.
- All risk insurance includes;
- Fire
- Lightening
- Windstorm
- Hail
- Some types of water damage
- Theft
- Free water and freeze detector
State Farm Home Insurance Discounts
- Claim free discount
- Bundling
- Security System Protection
- Fire Sprinklers
- Higher Deductibles Discount
Gordon Insurance Company
Gordon Insurance Company has taken on the responsibilities of being a broker that provides a large selection of insurance products to those in and around the Cobourg area.
This insurance company has chosen to go with a more hands-on approach. Meaning rather than outlining their specific home insurance coverage options they prefer to respond through quotes. It is with the intent of offering a more personalized service.
McDougall Insurance Company
This insurance brokerage firm claims to be the biggest brokerage insurance provider across Eastern Ontario. As such, they provide insurance products for the residents of Cobourg for their home insurance needs.
This again is another insurance company that has opted not to list their specific home insurance coverage through their website. Their preference is to gather a selection of information through a quote request and then build a homeowners insurance package based on the wants and needs of each specific client.
McDougall Home Insurance Discounts
The Company has no issues with clearly listing what potential discounts may be available to their home insurance shoppers such as;
- Claims-free discount
- Multi-policy discount
- Deductible discount
- Maturity discount
- Mortgage free discount
- Loyalty discount
- Non-smoking discount
- Brick construction discount
- Alarm discount
- Septic or sump pump discount
Bryson Insurance
This is a brokerage insurance company that has been in the insurance business for over three decades. With this amount of experience and expertise, it puts them in the position to serve the Cobourg homeowners with the type of home protection they need.
Bryson Home Insurance
The Company has opted to start with a basic insurance policy coverage and will build the policy out according to information they receive about;
- Replacement value
- Deductibles
- Liability
- Personal Property Claims
Bryson Home Insurance Discounts
Bryson has not listed any specific insurance discounts other than a possibility of a discount for bundling insurance
W.B. White Insurance
This insurance brokerage company not only serves homeowners in Cobourg but those across Ontario. They have been doing so since 1929. They offer a variety of insurance packages including homeowners insurance.
W.B.White Home Insurance
This brokerage firm works with a variety of Insurance partners to get their clients the best options as well as prices. It is a personalized product, so the company does not list specific coverage. Based on the fact that each client will have different needs.
Beyond Insurance Company
This is another insurance brokerage company that provides home insurance options for homeowners in Cobourg. They have on staff a highly trained and experienced team to assist with buying home insurance.
Beyond Home Insurance
The company does not specifically list the home insurance they are providing as they prefer to create home insurance policies on an individual basis.
PRL Insurance
This company considers itself to be a top insurance provider that offers a variety of different types of insurance packages. They have been doing this since 1959.
PRL Home Insurance
- Rebuilding to code
- Actual rebuilding cost
- Earthquake coverage
- Additional living expenses
- Optional cash settlements
- Green Rebuilding
- Personal and Premises Liability
- Complimentary home appraisal
PRL Home Insurance Discounts
The company has not chosen to list the potential discounts that may be available with their home insurance coverage.
About the Author: Valerie D. Hahn
