Home Insurance
Buying a home is probably the single largest financial investment you will ever make. Insurance helps protect your investment and ensures that in the case of an accident or unforeseen event, you will not have to suffer from a large expense. Insurance provides you with the peace of mind of knowing that your personal property is protected from an unexpected loss.
Let us protect your home and all of your valued possessions. We will take the time to help you build a policy that suits your needs. Our specialists will ensure you have the proper coverages which will make insuring your home seamless. Other types of property policies we provide are as follows: Tenants, Condominium, Seasonal, Rental Property, or Home Based Business insurance-we can take care of that for you too!
Home Insurance
Your house is not just a building, it’s your home – a special place you return to every day. It’s also a space for your personal, lifelong belongings. It’s important to protect your home, its contents and your belongings with the right insurance policy.
Unlike tenant insurance, homeowner insurance covers you inside and out. From the floor to the ceiling, we’ll make sure you’re covered against loss, damage or theft.
Here’s what’s typically covered with basic home insurance:
- The building
- Personal belongings
- Liability if someone gets hurt or their belongings are damaged on your property
- Minor damage to someone else’s property
- Living expenses if you need to temporarily relocate due to property damage
- Detached structures such as a shed or garage
Ask us about bundling your home insurance with auto insurance to save more.


Condo Insurance
More and more, condos are becoming forever homes. Protect your investment and all the things you love with the right condo insurance coverage.
Your condo building’s insurance covers the overall building, but not your unit. You need your own separate condominium insurance for contents such as furniture, electronics, and prized possessions.
What’s covered?
- Contents
- Personal liability
- Additional living expenses
- Voluntary medical payments
- Minor property damage
- Betterments and improvements
- Common elements loss assessment
You can save even more when you bundle with auto insurance! Ask us about it.
Camp Insurance
If you’re a northerner (like us), camp is your home away from home. There are a lot of variables when it comes to cottage insurance – our brokers can help you build a policy that takes your needs into account, whether you own a lake house, vacation home or cabin.
When deciding what kind of coverage you need for your camp, consider these common claims:
- Storm damage
- Animal damage
- Fire
- Flood or burst pipes
- Theft or vandalism
Other things to keep in mind:
- If you have additional buildings on your property, such as a boathouse, garage, or other detached building, let us know and we’ll make sure it’s covered in your policy.
- Most insurance companies require a WETT inspection for wood stoves; make sure your fireplace and/or wood stove is installed correctly.
Take advantage of bundle savings by adding on insurance for your boat, ATV, or camp contents. Get in touch with us to learn more!
Renting your camp on Airbnb? Make sure you have the right coverage.

Landlord Insurance
Jones & Associates insurance policies are customized to meet the needs of each landlord as every rental situation is different. We are able to determine your exposure to risk and coverage requirements by taking everything into account from building age and location, to the number of tenants and how long they’ll be staying.
Along with familiar, primary home insurance considerations – like fire coverage – Jones & Associates will evaluate and educate you on additional protection from the risks uniquely associated with renting (that are mostly out of a landlord’s control) including tenants causing damage, refusing to pay rent, and failing to vacate.
You have enough to think about as a landlord – leave the insurance work to us!
Accepting a tenant puts you at an increased risk for financial loss, and standard homeowners insurance only goes so far.
Landlord insurance is necessary for coverage unique to owning a rental unit.
We may recommend some of the following insurance options:
- Hazard & Fire Insurance
- Liability Insurance
- Flood Insurance
- Builder’s Risk Insurance
- Vandalism & Theft Insurance
- Sewer Backup Insurance
- Student Unit Rental Insurance *
- Rented Condo Insurance *
- Loss of Income Insurance *
- Apartment Building Coverage *
- Seasonal Rental Coverage *
- Short-Term (Airbnb style) Rental Coverage *
- Damage by Tenants Covera ge *
* Landlord-specific coverage
Tenant Insurance
What Is Tenant or Renter's Insurance?
If you don’t own the home you’re living in, insurance may seem like an unnecessary expense – but if your dinner goes up in flames or your bathtub overflows, you’re vulnerable as a renter without it.
And we all know… accidents happen.
When your rental unit has been accidentally damaged or destroyed, your landlord’s insurance policy will cover what they own – the physical structure of the unit or building. You are responsible for protecting what you own – your livelihood and personal belongings.
What Does Tenants Insurance Cover?
Tenant insurance can cover everything from your laptop to your toilet paper, as well as provide protection in the case of:
- A loss preventing you from occupying your rental, such as flood or fire
- Damaged or stolen personal property
- Required legal defense for your or a guest’s actions on the property
- Injuries occurring in your home or on the property
In these cases, tenant insurance can cover:
- Personal belongings, large and small
- Living expenses if you are displaced from your unit, such as hotel accommodations
- Liability in the event of unintentional damage to your unit or a person visiting your unit
How Much Is Tenant Insurance?
Consider this: tenant insurance, on average, can range from $10-$20 per month or $120-$240 per year to cover all of your insurable contents.
Replacing an uninsured television alone could be 3x or 4x more expensive than that.
FAQs
Contents are defined as household goods and personal effects belonging to you, such as clothing, furniture and other items worn or carried by you (purse, glasses, mobile phone.) Some notable exceptions would be any items that are already insured, vehicles, and personal identification like passports.
A liability is a legal obligation, arising from an action or event. In the context of a tenant insurance policy you gain protection from liabilities arising from lawsuits and claims due to your negligent acts.
For example, while you have people over, someone breaks their ankle. They require surgery and end up having to take unpaid time off work, and decide to sue you for pain and suffering, and lost wages. The liability coverage on your policy will be there to provide legal representation, and financial protection up to the amount of the coverage limit on your policy.
While tenant insurance is not legally required, many property owners require proof of insurance in order for you to be approved as a tenant. Landlords are legally able to request that you have coverage to ensure both their property and their tenant’s property are adequately protected.
No, your landlord will have property insurance on the physical structure of the building, but not the contents within. If the unit above you floods your unit, destroying the contents and making the space unlivable, the landlord’s policy will cover the repair costs, and your Tenant Insurance would cover your belongings and living expenses while you are displaced.
As the renter, liability inside the home shifts to you. If someone is injured in your home, your insurance can help protect you from liability. For example, a party gets a little ruckus and one of your guests falls off a chair and breaks a leg, you would be responsible for their injuries.
Some items may be excluded from general contents coverage or be subject to maximum limits.
For example, jewelry may be treated differently than the rest of your home’s contents, requiring a separate schedule attached to the policy. Be sure to discuss any expensive and/or difficult to replace items with your broker and retain an ongoing inventory of the contents of your home. You may be surprised how much value you have in your personal possessions.
View our Home Inventory Form to assist in cataloguing the contents of your home
Your cat may not agree, but pets are considered property under the liability component of most insurance policies. Should your cat get a hold of your neighbour’s prized parakeet, your liability insurance can prevent you from out of pocket expenses.
Check with your broker to ensure that your specific breed or species of pet are covered.
Tenant insurance premiums will vary by insurance carrier and is typically calculated according to the coverage desired (value of contents or liability limit) along with details about where you live, deductible desired, claims history and type of building you live in.
Each tenant policy will only cover named insureds.
While it is possible to have more than one name on a policy, it is ultimately the policyholder that will have their insurance history impacted should a claim be made, which could effect future rates on other insurance products for that individual. It is advisable to have each individual living in a rented unit have their own policy.