Products - Residential








Unfortunately, we can never be certain our homes are protected from events that could cause a loss, however purchasing homeowners' insurance is a great way to protect your assets and provide you with peace of mind. Optimum has affordable home policies offering three different levels of protection that are suited to your needs.

Products - Residential - Homeowner

The Optimum advantage

Nobody likes unpleasant surprises

With Optimum, you have the possibility to choose  all risk protection on your home and its contents. "All Risks" coverage is our most comprehensive level of coverage and is designed to protect your property from the broadest range of perils.

Note: "All risks" coverage provided by Optimum and the insurance industry is still subject to certain exclusions. Please speak to your insurance broker for more details.

Easy and convenient payments

You can choose from a variety of payment plans to best suit your needs ranging from an annual payment to monthly instalments withdrawn automatically from your bank account.

Available levels of protection:

Available Levels of Protection - Platinum

This comprehensive protection provides all risk coverage on the dwelling building as well as on personal property.

Available Levels of Protection - Gold

This broad protection provides all risk coverage on the dwelling building and named perils coverage on personal property. 

Available Levels of Protection - Silver

This standard protection provides named perils coverage on the dwelling building and named perils coverage on personal property.

Optimum prestige extension
This extension provides many valuable extensions of coverage including enhanced coverage, increased limits for identity fraud expenses, as well as claims free protection. (Premium will not increase due to the first loss.)

Ask your independent insurance broker for more details about Optimum’s homeowner’s insurance policies!

Key discounts available for this product

  • Mortgage-free
  • Age of building
  • Age of insured
  • Claims-free
  • Alarm system
  • Water leak detection
  • Multi-policy

*For more information about our available discounts, please contact your broker.

Other products that may interest you

Products - Automobile - Private automobile

Private automobile

Protection for you and your personal vehicle(s).

Products - Residential - Seasonal dwelling

Seasonal dwelling

Coverage especially designed for your home away from your home.

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