Whitby Home Insurance

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Whitby & Home Insurance: McCAM Has Your Back

Having home insurance in Whitby is essential to ensuring that your family’s biggest asset is adequately protected should anything happen to it. Whitby, a part of the Durham Region, is a town of some 110,000 people, all of who need adequate personal insurance to ensure they have a financial safety net should something happen. Of all home insurance companies in Whitby, homeowners in the area can trust in McCAM to get them what they need. McCAM oversees your insurance and finds you competitive quotes so that you can select a program which suits all of your needs.

McCAM services all different towns mainly in the Durham Region, including Ajax, Brock, Clarington, Hamilton, Markham, Pickering, Richmond Hill, Scarborough, Scugog, Stoufville, Oshawa, GTA Toronto, Unionville, Uxbridge, and Whitby. Get in touch with us today and let us show you why you can trust in us to find you a home insurance program that works for you. We understand the changing needs of our clients and can help be your advisor when it comes to acquiring insurance and assisting you through the claims process so that you can get your settlement easier and faster. Home insurance in Whitby has never been easier than it is with McCAM.

Home Insurance in Whitby: A Guide

Home insurance isn’t just something people purchase as an indulgence – quite the opposite, actually. Home insurance in Whitby is a requirement to protect all your valuables and your home’s structure against unforeseen damages or vandalism. Moreover, Whitby home insurance can provide you liability coverage, in case anything should happen to a third-party on your property or if you were to cause damage to someone else’s property anywhere in the world. If you are mortgaging your home, chances are that your mortgager or mortgage company will require you to carry some form of real estate insurance and will not finance a property transaction without solid evidence of coverage.

If you don’t own a home and your current place of residence is an apartment or a condo, chances are that your landlord or condo corporation will require you to carry some form of renter’s insurance – such as tenant or condo. As with any insurance, whether required or not, it is highly recommended that you acquire a certain minimum of home insurance in Whitby in order to ensure that you are in good standings for if anything unexpected should happen.

What does home insurance in Whitby cover? Your general policy may include coverage for some or all of the following items:

  • Your dwelling; i.e, the physical structure of your home. Keep in mind that luxury additions, such as pools, hot tubs, or sheds may not be included.
  • Your personal property and belongings. Certain high-value items may require an insurance endorsement in order to have full coverage.
  • Any liability situations which may arise pertaining to the injury or a third-party or damage to their property.

As always, discuss beforehand with a professional about the details of your insurance. McCAM’s home insurance brokers in Whitby are ready and willing to provide you with the advice you need in order to ensure you get everything you and your family need to have peace of mind.

Optional Whitby Home Insurance Endorsements

If the area you live in or your personal circumstances require you to supplement your existing Whitby home insurance in order to fully cover yourself against any potential exposures you may want to discuss the possibility of purchasing an endorsement with your broker. Wherever you live in Whitby, everyone’s personal circumstances and insurance requirements are different. Here is a list of just some of the endorsements you may be able to acquire to ensure adequate coverage:

Earthquake Coverage:

Since the majority of home insurance companies in Whitby will exclude earthquake insurance in your policy you will not have coverage as a result of damage caused to your house from earthquakes. Discuss with your broker if this is an option worth adding to your insurance if this risk might be prevalent to you.

Home-based Business Coverage:

If you work from home once in a blue moon, this coverage will not be necessary. However if you are self-employed or often have clients come to your home, you may need to discuss with your broker about expanding your coverage to include home-based business related exposures. Your typically policy will not cover damages or losses to company property.

Watercraft Coverage:

If you own a recreational vehicle such as a boat or other watercraft you may want to inquire about purchasing a watercraft insurance endorsement to protect these items. Your average home insurance policy will likely not include coverage for damage to these items so be sure to discuss with a broker about how you can go about protecting your vehicles.

Sewer-backup Coverage:

Oftentimes water damage resulting from clogged sewer lines will not be included in your average Whitby home insurance policy but can be added for an additional cost. This endorsement may protect your home from losses as a result of water escape or rupture from septic system, sump pump, drain or sewer.

Free Home Insurance Quotes Whitby Residents Can Depend On

As one of the most trusted home insurance companies in Whitby, McCAM is confident that it can help find you the right coverage plan and provide you with the best advice. Our service to you doesn’t stop after you have purchased your insurance. We find you competitive home insurance quotes in Whitby so that you can select a plan which suits your budget, help you tailor your insurance accordingly, advise you, and negotiate on your behalf if you should need to make a claim at any point.

Our brokers are some of the friendliest and most experienced professionals in the insurance industry, so you know that your coverage is in good hands with McCAM. Don’t hesitate and get in touch with us today to see 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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