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Personal Insurance: Home & Property

Your home and personal belongings are among the most valuable assets you will ever purchase. For most individuals, a home is their most expensive budget item and a considerable financial investment.

Whether you are a renter, a homeowner or a condominium owner, adequate insurance is necessary to reimburse you for financial losses arising from mishaps that are generally sudden, accidental and hard to predict or prevent.

There is no such thing as a "standard" in a homeowners policy. Varying degrees of coverage exist. Contact R. McNiven & Sons to get help assessing what kind of insurance is right for you.

A homeowners policy is a type of property insurance. Property coverage is available for homes, condominiums, seasonal dwellings and rented dwellings. Additional coverage is available for watercraft, valuable articles, umbrella liability, home based businesses, personal effects and more.


Personal Insurance: Automobile

 
The ownership and operation of a motor vehicle requires insurance protection against physical damage and bodily injury arising out of the use and operation of the vehicle.
In Ontario, additional options and increased coverage can also be purchased. These could fall under accident benefits such as replacement income and medical expenses. Or other coverages such as damages to rental vehicles, limited depreciation on new automobiles and use of a replacement vehicle while a vehicle is indisposed due to an insured loss can be purchased.

Automobile coverage is available for personal vehicles and recreational vehicles such as motorcycles, motor homes, trailers and snowmobiles. Call R. McNiven & Sons to assist in ensuring you have the proper coverage for your auto insurance needs.

When you use R. McNiven & Sons to purchase auto insurance, you receive the coverage you need from a credible insurance provider. You will also have access to 365 day-a-year, 7-day-a-week, 24 hour-a-day claims service. So no matter when you need assistance, it's there.
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