House, condominium, or apartment (tenants) insurance
Click on the button below to receive a free, no-obligation estimate of your house, condo, or tenants insurance premium. Once you've received the estimate, please contact us to see if you qualify for any additional discounts not reflected in the estimate. 
Key Benefits- Peace of mind in the event of a claim
- Professional, courteous service
- Comprehensive coverage at competitive prices
PricingThe price you pay for your insurance (the premium) is based on a number of factors including both what you want to insure, and your personal classification and previous insurance history. For house insurance, the amount it would cost to rebuild your home with new materials and current labour costs, along with the cost to remove any debris prior to rebuilding is the starting point for your policy. Once this is established, (using insurance-industry standard calculation tools), a policy can be custom-tailored to your needs. Tenants packages are somewhat different in that you don't own the building in which you live. The starting point for a tenants package is the amount it would cost to replace all your possessions (furniture, appliances, clothing, etc.) with new ones. No two people own the same things, so only you can determine the amount of insurance that would be right for your needs. You may want to spend a few evenings with some catalogues, listing your possessions and their replacement costs. Whether you're insuring a home or an apartment, the location you live influences the price. If you live in a town or city where you are near a fire hydrant (hydrant protected), your insurance is usually less expensive than if you lived in a rural area (unprotected). The driving distance between your location and the nearest fire hall is also important, as you may qualify for a 'medium price' range known as fire hall protected. Whether this is your first time to purchase this type of insurance and whether you've ever placed any insurance claims also factors into the price calculation. Your age may also qualify you for a discount. This is only a summarization of the process used by the various insurance companies to determine the rate which applies to you. That's why it's important for you to place your insurance through W. J. Wood Brokers Ltd. We're insurance brokers--we search for the best coverage at the best price for you. Click this button to see a list of the companies we represent 
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