Oshawa Home Insurance

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Oshawa & Home Insurance: McCAM Has You Covered

Acquiring home insurance in Oshawa is vital to helping secure your family’s biggest asset and ensuring that is protected against unforeseen threats. Oshawa, as a part of the Durham Region, is a town with a population of some 160,000 people – all of who are in need of the right personal insurance coverage to ascertain a financial safety net. There are many home insurance companies servicing Oshawa so it can be difficult to choose one which can fulfill your needs. Luckily, McCAM has decades of experience working in the industry and can help homeowners in the Oshawa area get the insurance program that they need. We oversee your coverage and help you get competitive home insurance quotes in Oshawa so that you can select your program from the best.

McCAM provides its services to a variety of different towns, largely in the Durham Region. These areas include Ajax, Brock, Clarington, Hamilton, Markham, Pickering, Richmond Hill, Scarborough, Scugog, Stoufville, Oshawa, GTA Toronto, Unionville, Uxbridge, and Whitby. Discuss with us today and we can demonstrate to you why you can trust in us to suit you with an Oshawa home insurance program that works. We know that the needs of our clients are constantly changing so we understand how important it is that we play the role of your advisor and help you acquire your insurance so that you get all you need. We want you to be satisfied with your coverage plan. Home insurance in Oshawa has never been more simple than it is with McCAM.

Home Insurance in Oshawa: A Guide

Having home insurance isn’t an indulgence nor a luxury. In fact, it’s quite the opposite. Home insurance in Oshawa is necessary to safeguard your home’s structure as well as all your valuables against any unprecedented risks or damages. Additionally, Oshawa home insurance has coverage for any liability situations you should discover yourself in, in case something happens to a guest while visiting your property – or if you cause damage to someone else’s property. Chances are that if you are mortgaging or renting your home the renting company or mortgager will require that you purchase some version of real estate insurance prior to making a property transaction. They may request evidence of insurance.

If the place that you call home is a condo or an apartment then your landlord or condo corporation may request that you purchase renter’s insurance. Tenant or condo insurance is highly recommended and the experts at McCAM advise that you acquire a certain minimum of home insurance in Oshawa to ensure that you are in a good financial position in case anything happens.

So what does home insurance in Oshawa protect? Your typical policy may include protection for a few or all of the following items:

  • Any potential liability scenarios as a result of the injury to a guest on your property or damage to their property anywhere in the world.
  • Your dwelling’s physical structure. This may not include any “luxury” modifications, like your hot tubs, pools, or sheds.
  • Your personal belongings and property. Some high-value possessions may only be covered under a separate insurance endorsement policy.

As is the case with any insurance plan discuss with a professional about the specific details of your coverage. McCAM’s home insurance brokers in Oshawa are looking forward to working with you and providing you the assistance you need to get everything you need so that you and your family can rest easy.

Optional Oshawa Home Insurance Endorsements

If your personal circumstances or the area in Oshawa that you live in requires you to customize your existing Oshawa home insurance in order to fully protect yourself against any possible risks you should get in touch with your broker. Wherever you live in Oshawa, your circumstances will be different than your neighbour’s – as will your insurance requirements. Below is a list of a few of the insurance endorsements you may be able to purchase to supplement your existing program:

Watercraft Coverage:

If you happen to own a recreational vehicle such as a boat you should ask your broker about a watercraft insurance endorsement. Your general home insurance policy will likely not include protection if there are any damages to these items so ensure that you ask a professional how to go about finding coverage for these items.

Earthquake Coverage:

The majority of home insurance companies in Oshawa will likely not include earthquake insurance in your insurance policy. Discuss with an expert about the possibility of including this endorsement if you feel as though this risk is prevalent to you.

Sewer-backup Coverage:

Typically water damage as a result of clogged sewer lines will not be included in your typical Oshawa home insurance policy. This endorsement can be added to your existing insurance to include damages from water escape as a result of septic system, sump pump, drain or sewer rupture.

Home-based Business Coverage:

If you only occasionally work from home, this coverage may not be necessary. However you will want to discuss with a broker if you are self-employed or often have clients come to your home. Your regular home insurance policy will not cover losses or damages to company property.

Free Home Insurance Quotes Oshawa Homeowners Can Rely On

Since McCAM is one of the most trusted home insurance companies in Oshawa it is confident that it can assist you in selecting the best coverage plan and offer you the best advice out there. Our quality services don’t stop once you’ve purchased your insurance. First, we help you find competitive home insurance quotes in Oshawa, customize your plan accordingly, provide all the advice you need to make the best decision, and continue to negotiate on your behalf if you need to make a claim.

Our brokers here at McCAM are friendly and experienced with many years of operating in the insurance industry to show. We know your coverage is important to you, which is why it’s so important that you know it is in good hands with McCAM. Discuss with us today so that we can show you just how great our service is.

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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:


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
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