Property Insurance

Property insurance is designed to protect one of your most important investments—your home. Whether you own a house, a condo, or rent your residence, the right coverage ensures that your property, belongings, and liability are safeguarded against unexpected risks. At Capstone Insurance, we provide tailored solutions that reflect your unique needs and help you receive all eligible discounts for the best value.

Home Insurance

Condominium Insurance

Tenant Insurance

Home Insurance Condominium Insurance Tenant Insurance

Given the relatively high value associated with your home, it is vital to ensure adequate coverage. In general, your homeowners insurance premium is determined based on the replacement cost of your home, which we will calculate through an industry accepted method. The relevant risk factors such as the location of the building, your claim history, and your optional coverage will also affect your insurance premium. In addition, our agents will make every effort to ensure that you receive all applicable discounts.

Strata corporations are responsible for placing insurance on the building, yet strata unit (condo) owners need to obtain their own insurance policy to cover:

Personal contents and liability
Unit improvements and betterments
Strata policy water damage deductible

If you are renting your residence, you will need to arrange insurance to cover your personal contents, as well as liability. Additional living expense coverage is another important feature of this type of insurance, as the additional costs related to temporary accommodations can be substantial.