Buy better home insurance for less
Compare home insurance prices and find an insurance policy that works for you in less than 4 minutes. Our online platform searches policies from multiple insurers to save you time and money, ensuring your home and personal belongings are protected for years to come.
Why choose YouSet?
YouSet’s online platform finds the best policy at the best price in just 4 minutes, and saves you on average 29% on your premium. Our platform combines data, human expertise, and modern technology to find you the best home insurance prices for your needs.
Our automated platform screens the market for all home insurance premiums in an instant, helping clients save on their home insurance policies. With YouSet, you can comprare home insurance policies from multiple insurers and get a personalized home insurance policy in under four minutes.
Our platform is completely free-to-use and includes personalized support every step of the way via SMS, phone, and email, ensuring you get the best home insurance coverage available. YouSet has served over 150,000 happy users with their home insurance policies and will help you find the most affordable home insurance coverage to protect the things you love.
What is the process of getting home insurance with YouSet?
Shopping for home insurance can be overwhelming, but with YouSet by your side, finding the right home insurance policy has never been easier. Our online platform eliminates the hassle of manually comparing insurance premiums, and finds you a personalized home insurance policy in under 4 minutes.
Simply begin by answering a few questions, and our algorithm immediately connects you with multiple insurance companies with the best home insurance premiums. Finish by customizing your home insurance policy and purchase it directly from YouSet – all in 4 minutes and completely online.
YouSet also offers personalized SMS, phone, and email support and is ready to answer any questions you might have along the way.
What does home insurance cover?
Your home is one of your largest and most important assets. So it makes sense to shop around and review what’s covered by your insurance policy, including deductibles and exclusions.
Common home insurance coverages include but are not limited to, liability insurance, personal belongings, identity theft, living expenses should you need to move out, and dwellings and detached structures.
Keep in mind that home insurance policies can differ from company to company, but with YouSet, the home insurance process is completely transparent and straightforward.
Standard home insurance coverages
Standard home insurance coverages include civil liability insurance, dwelling and detached structures, personal belongings insurance, additional living cost, and more. Learn more about standard insurance coverages.
Protect yourself against potential lawsuits with civil liability insurance. With civil liability insurance, you are protected against personal injury or property damage you may unintentionally cause to someone else or their property.
Whether you are a property owner, or tenant, civil liability insurance is included in your home insurance policy, offering you and your loved ones some much-needed peace of mind.
Personal belongings coverage, often referred to as content’s insurance, protects your personal property, such as clothing, electronics, furniture, and more. Personal belongings coverage is an essential component of home insurance policies and protects the things you love from any potential scenario.
Note: Your personal belongings are covered no matter where they are as long as they are temporarily outside of your residence.
Additional living cost coverage provides you with yet another security blanket should you need to relocate due to a claim for an undetermined period of time. Whether your home was damaged by water, fire, or any other insured loss, additional living cost coverage is designed to cover your living expenses while your house is being repaired.
This could mean cash in hand for a hotel, or everyday living expenses such as food.
Homeowner insurance policies can also include dwelling and detached structures in your coverage. This particular coverage applies to detached structures, including sheds, garages, guest houses, pool houses, and any structures not attached to your home up to the insurance amount.
Dwelling and detached structures coverage could help rebuild or pay for repairs to the physical structure of your home.
Optional home insurance coverages
Home insurance policies can be customized to include optional home insurance coverages, including theft and burglary, water damage, and more. Learn more about optional insurance coverages.
Theft and Burglary
Home theft and burglary is increasingly becoming a concern in Canada. In fact, over 1.3 million Canadians were victims of property theft, break-ins and burglaries in 2020 alone.
Theft and burglary insurance helps reimburse most personal belongings stolen during the break-in and can even be used for damages caused by the theft, including for doors, floors, and windows. It is important to advise your broker if you have any high-value items as certain items are limited in case of theft or mysterious disappearance.
Earthquake and Earth Movement Coverage
Earthquake and earth movement insurance is an optional coverage you can include in your home insurance policy and covers your property should damage arise directly or indirectly from earthquakes, snow slides, landslides, and earth movements.
Certain regions in Canada, including the coast of B.C, are more prone to earthquakes than others and should be taken into consideration.
Water Damages
Water damage coverage is yet another crucial addition to your home insurance policy. As the leading cause of property damage in Canada, water damage poses a number of risks to homeowners.
Different types of water damage insurances exist:
- Sewer backup: Sewer backup protects you in case water backs up into your home from a sewer, floor drain, or septic tank.
- Overland Water: Overland water coverage applies to damage incurred from fresh water, including excessive rain, melting snow, and more.
- Above-Ground Water: Above-Ground water damage covers any water infiltration coming in your home from above ground. (Ex: Through the roof, walls, windows or doors)
Floaters
Floater insurance is an optional coverage that applies to easily moveable property and typically covers one individual item against theft, vandalism, fire, and more.
Please note that adding a floaters policy will assure that the full value of the item will be replaced, however, certain limitations exist.
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Why do I need home insurance?
Whether you are purchasing your first home, or making an investment, buying a property is a significant step. Home insurance policies simply ensure you are protected in any situation, be it damage to your property, personal belongings, against civil liability, and more.
Home insurance policies are required in Canada if the house is not fully paid, and serve as an additional layer of protection against unexpected events. Rather than wait for disaster to strike, protect yourself and your loved ones with a fully-customizable home insurance policy today!
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