Port Perry Home Insurance

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Home Insurance in Port Perry: Why Residents Trust McCAM

While skimping on home insurance in Port Perry may seem like a tempting option to cut on costs, this decision to abstain from purchasing coverage may put you in some serious hot water later down the line. Whether your home is an apartment, a condo, or a luxury model, you are exposed to risks daily. Think – vandalism, theft, a fire, or a lawsuit. All of these can result in devastating financial loss. What would you do? Enter McCAM Insurance: Port Perry residents look to us for quality insurance programs as one of the best and most trusted home insurance companies. Port Perry homeowners need not worry if their coverage is enough with us – we work hard to make sure our packages are tailored to your requirements.

We always ensure that our insurance services and expertise are accessible to all different areas of Ontario and the Durham Region, including: Ajax, Brock, Clarington, Hamilton, Markham, Pickering, Richmond Hill, Scarborough, Scugog, Stouffville, Oshawa, GTA Toronto, Unionville, Uxbridge, and Whitby. If you need more reasons why you should depend on us for home insurance in Port Perry, call us whenever is most suitable for your schedule. The needs of our clients are always changing and McCAM is confident that it can continually offer you the best insurance advice possible. Home insurance in Port Perry is easy with McCAM.

A Guide for Home Insurance in Port Perry

Home insurance in Port Perry is not a requirement, but it is highly recommended. It is not a luxury, as everyone – no matter what it is they call home – faces risks on the day-to-day. Home insurance in Port Perry is essential for maintaing your peace of mind, helping providing you security in knowing that you have protection against financial loss from any insured perils on your policy. If you are mortgaging or renting your home, odds are that your renting company or mortgager will ask for proof of home insurance. Port Perry residents may need to provide evidence of coverage.

Is the place that you call home an apartment? What about a condo? You may need to acquire renter’s insurance in these cases, as your condo corporation or landlord will have insurance that does not include your belongings or your liability. Our McCAM home insurance brokers in Port Perry recommend you carry a certain amount of coverage so that you are in good financial standings if anything happens.

What does home insurance in Port Perry include? A typical policy for home insurance in Port Perry may cover the following items:

  • The physical structure of your home. Keep in mind that “luxury” additions or modifications (such as sheds, pools, hot tubs) may require separate coverage.
  • Your home’s contents, I.e: your personal belongings, property, etc. Higher value items may require separate coverage.
  • Your liability if you are responsible for the injury or a guest or their property – anywhere in the world.

You will want to discuss with McCAM’s home insurance brokers in Port Perry when you are shopping for insurance; our experts get to know your situation and can offer you advice based on your circumstances. We look forward to working with you so that you and your family can rest easy knowing you are protected.

How Much Does Port Perry Home Insurance Cost?

Your family, your coverage, and your home will affect the overall cost of your home insurance in Port Perry. There are so many different types of homes, families, and coverage needs in the local area that need to be considered. You live the life that works best for you –but it doesn’t mean you do it entirely risk-free. Secure your home and family with home insurance. Port Perry residents trust McCAM to do it best.

Here are some figures for home insurance in Port Perry that can provide you with a better idea of what your rates might be:

Optional Port Perry Home Insurance Endorsements

What if your current coverage isn’t enough to protect you from any and all risks you face? Your circumstances are very different than those of your neighbour’s, or any other residents of Port Perry. Home insurance can be customized to fit your needs; here are some endorsements you may want to purchase to supplement your existing policy:

Watercraft Coverage:

If you own any watercrafts, your policy may not include coverage for these items. You may want to purchase a separate endorsement or discuss with a professional how to go about coverage for these items.

Sewer backup Coverage:

Water damage from clogged sewer lines may not be included in your average policy for home insurance in Port Perry. This can be added as a supplement to include damages from water escape thanks to sump pump, drain, septic system or sewer rupture.

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.

Earthquake Coverage:

Most of home insurance companies in Port Perry do not include earthquake coverage. If you feel this is a prevalent threat to you, discuss with our home insurance brokers in Port Perry from McCAM.

Home-based Business Coverage:

If you work from home on occasion, this coverage may not be necessary. However, if you run a home-based business, you will want to discuss with a broker about options as your Port Perry home insurance will not cover any claims related to your commercial operations.

Saving on Your Port Perry Home Insurance

People hesitate on great coverage because they worry about the cost. Home insurance in Port Perry need not break the bank. McCAM’s experts keep your budget in mind when helping you find home insurance quotes in Port Perry and offer you tips and tricks for ways you can save.

McCAM’s home insurance brokers in Port Perry can’t wait to help offer you ways to save on your coverage without making you feel the need to cut coverage. Here are some examples of advice they might offer you:

  • Purchase your auto and home insurance in Port Perry through a single provider. You may be offered a discount as a return customer.
  • Raise your deductible. This is the amount you would pay out if you needed to make a claim before your provider pays the rest so the higher it is, the lower your rates. Ensure it is a reasonable amount.
  • Maintain your home regularly – check its systems, do inspections, or hire a professional to do it for you.
  • Install home security or anti-theft devices. Ensure that these are kept up-to-date and regularly looked after.

Free Home Insurance Quotes Port Perry Homeowners Can Depend On

As one of the most trusted home insurance companies in Port Perry, McCAM is confident in its expertise and knowhow and are certain we can find solutions for you and your family. We don’t stop helping you once you have secured a policy either. We continue to service you throughout and offer you advice, ways to save, and support you if you need to make a claim – although we hope you never need to!

McCAM’s home insurance brokers in Port Perry are friendly and experienced, boasting many years of experience in the industry. We understand why great protection matters to you and want you to have everything you need for a price you can afford. Chat with us today or apply for a free, no obligation quote online.

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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
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