Muskoka Home Insurance

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Muskoka & Home Insurance: McCAM Has Your Back

Home insurance in Muskoka is one of the most important ways to protect your family’s most prized investment. Routine maintenance, inspections and upkeep can certainly help to ensure our homes are secure and looked after but home insurance in Muskoka is there in the event that things fall through. Vandalism, fire, and liability are all prevalent threats to homeowners that can wind up costing us thousands of dollars in repairs and replacements or settlement fees. McCAM helps you navigate your coverage and finds you a plan for home insurance in Muskoka that leaves no gaps, no extra ends, and no worries.

We offer our insurance products to a wide range of areas within the Durham Region and its surrounding area. These include: Ajax, Brock, Clarington, Hamilton, Markham, Pickering, Richmond Hill, Scarborough, Scugog, Stouffville, Oshawa, GTA Toronto, Unionville, Uxbridge, and Whitby. Phone us today or whenever works best for you and your busy schedule so that we can show you how we do coverage better than any other home insurance companies in Muskoka. We get to know the ever-shifting needs of our clients in Muskoka. Home insurance is only a few clicks away.

Home Insurance in Muskoka: A Guide

It’s more than important to purchase enough home insurance in Muskoka to reflect your home and its needs. Even though home insurance in Muskoka is not required by law, if you are renting or currently have a mortgage, the company you are renting/your mortgager may ask that you show proof of insurance. Home insurance in Muskoka offers a backup plan in the event that something bad does happen, such as a fire, a break-in, or even a lawsuit.

If you live in an apartment or a condo, you should purchase renter’s insurance. Why? Because even though your condo corporation or your landlord has insurance to cover the physical structure of your building, it might not be enough for your personal belongings if something happens. You would also be held liable for any legal fees if you were responsible for someone else’s injury or property damage.

So, what exactly does home insurance in Muskoka protect? You don’t need to become an expert in insurance to understand the items you have coverage for, such as:

  • Your liability, should anyone on your property attending as a visitor be injured or if their property is damaged due to your actions.
  • The physical structure of your home (not including any add-on features or luxury modifications) from insured perils.
  • Your home’s contents – although higher value items or tech may require separate coverage.

Discuss with McCAM’s home insurance brokers in Muskoka today about your needs and we will see what we can do to design a plan for you and your needs. We want to ensure you get the peace of mind that you deserve.

How Much Does Muskoka Home Insurance Cost?

It doesn’t cost a whole lot to purchase home insurance in Muskoka, especially when you consider how much it would take to repair or replace parts or all of your home in the event of a disaster. What about a lawsuit? Settlement fees may put you in the hole for hundreds or thousands of dollars. You want to live the life you do without worry, but that doesn’t mean you don’t face any risks. McCAM helps you acquire home insurance in Muskoka that works for you personally.

Here are some figures for Muskoka home insurance so you can have a better idea of its overall cost:

  • Average yearly
  • Average monthly

Muskoka Home Insurance Endorsements

Your needs are entirely different than those of your friend’s or neighbour’s. You want a plan for home insurance in Muskoka that protects you, and not just the average homeowner. No matter where you live, your plan should reflect your needs. Here are some of the insurance endorsements you may wish to consider that can supplement your existing home insurance in Muskoka:

Earthquake Coverage:

This coverage is typically not included on most policies in Ontario. If you feel as though this is a risk prevalent to you, you can discuss with our experts.

Home-based Business Coverage:

If you work occasionally from home, this coverage is not for you. However, if you run a start-up from home or often have visits attend your property, you may need to acquire separate coverage.

Sewer-backup Coverage:

Your average Muskoka home insurance policy will not cover you for any water damage due to ruptured sewer lines or backups. This separate coverage may protect you from damages due to water escape from your plumbing systems.

Watercraft Coverage:

As water hobbyists, we love our recreational vehicles and what they do for us. However, your home insurance in Muskoka will not include these items. You can purchase a separate endorsement to cover your water vehicles.

Saving on Your Muskoka Home Insurance

If budget is a concern of yours, let McCAM put your worries at ease. Home insurance in Muskoka is not an unnecessary cost as it can help you save some money later down the line if something happens. Coverage is a small price to pay for huge protection.

McCAM’s home insurance brokers in Muskoka are some of the province’s most knowledgeable experts and can’t wait to help you begin on the process of getting the coverage that you need. Here are a few tips that can help you save on your home insurance in Muskoka:

  • Do regular home maintenance on all your home’s integral systems or hire a professional to do it for you.
  • Raise your deductible (the amount you pay before your provider steps in to cover the rest.) Ensure this number is within reason – the higher your deductible, the lower your rates.
  • Install home security systems, including smoke detectors and anti-theft devices. Ensure these are kept up to date.
  • Bundle your auto and home insurance in Muskoka through one provider. You may become eligible for a discount.

Online Home Insurance Quotes in Muskoka

When the time comes to make a claim, McCAM is there for you. As one of the most trusted home insurance companies in Muskoka, McCAM is confident that it can help you find what you need to ensure that both you and your family feel safe. We don’t stop helping you after you’ve purchased your home insurance in Muskoka, either. We make sure you continue to make the right decisions and offer you advice throughout, so that you can make the changes necessary to make sure your coverage always reflects your needs.

Our home insurance brokers in Muskoka are eager to help you find a coverage plan that meets your needs. With all of your experience working in the industry, we are certain we can help you find something that will ensure you and your family’s peace of mind. You are in great hands with McCAM Insurance Brokers. Call us today or apply for our free online home insurance quotes in Muskoka.

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We are open, but our physical office is closed due to COVID-19.

We have been in business for 107 years. We continue to be here for you now. Our staff are currently working from home. Our physical office is closed to the public due to COVID-19. For staff contact information, please click this direct link:

https:​//www.mccaminsurance.com/about-us/

For those calling into the office, you can reach us at 905-579-0111.

We are unable to accept cash payments at the moment. To pay please mail cheque, or send us an etransfer by doing the following:

  1. Email payment to loriann.prebble@mccaminsurance.com
  2. Reference your name and policy number
  3. Security password must be McCam1

Thank You.