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Homeowner


Homeowner

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 - Tenant

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choose from a variety of payment plans to best suit your needs ranging from an annual payment to monthly instalments withdrawn automatically from your bank account.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

Comprehensive

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

Available Levels of Protection - Gold

Broad

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

Available Levels of Protection - Silver

Standard

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

Key discounts available for this product:


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

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


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