We have been insuring people’s personal insurance needs for over 100 years. You can choose the package that best suits your lifestyle and protection requirements. Whether you are a homeowner, condominium owner, cottage owner or a tenant, HTM Insurance offers a very attractive insurance package to meet your personal needs.
HTM Insurance also offers an extensive array of discounts:
- Claims Free Services
- Mature Owners
- Burglar/Fire Alarms Discount – if alarms are installed and running
- Newer Home
- Generator
“
Our homes are important to us, so we work to make sure yours is covered. We offer a suite of products for your personal insurance needs, which range from home, cottage, watercraft, investment properties and everything in-between.
Residential Insurance Products
Primary Residence
Secondary Residence
Investment Property
Seasonal Home
Watercraft
Personal Articles
Other Coverages
Policy Wording
Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.
| Description of Coverage | Coverage Code | Coverage Type | Current Wording | Previous Wordings |
|---|---|---|---|---|
| Amphibious Automobile Coverage Endorsement | PE-00502 | Other Coverages, Residential | Jan 2024 | |
| Your Tenants Insurance Policy | TP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Secondary Home Insurance Policy | SH-10.23 | Residential, Secondary Residence | Jan 2024 | Mar 2022 |
| Your Seasonal Home Insurance Policy | SE-10.23 | Residential, Seasonal Home | Jan 2024 | Mar 2022 |
| Your Rental Dwelling Insurance Policy | RD-01.18 | Investment Property, Residential | Mar 2022 | |
| Your Premium Secondary Home Insurance Policy | PSH-10.23 | Residential, Secondary Residence | Jan 2024 | Mar 2022 |
| Your Premium Rental Dwelling Insurance Policy | PRD-10.23 | Investment Property, Residential | Jan 2024 | Mar 2022 |
| Your Premium Home Insurance Policy | PHP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Home Insurance Policy | HP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Condominium Rental Insurance Policy | CRP-01.18 | Investment Property, Residential | Mar 2022 | |
| Water Backup Endorsement | WBE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Mar 2022 | |
| Your Condominimum Insurance Policy | CP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Basic Insurance Policy | BAS-10.23 | Other Coverages, Residential | Jan 2024 | Mar 2022 |
| Watercraft Floater | WC-01.18 | Residential, Watercraft | Mar 2022 | |
| Water Protection Endorsement | WPE-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Statutory and Additional Conditions | CON-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Roof Restriction Endorsement | RRE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Mar 2022 | |
| Personal Articles Floater | PAF-01.18 | Personal Articles, Residential | Mar 2022 | |
| Owner’s Construction Liability Endorsement | ELI-0012-0396 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Mar 2022 | |
| Life Lease Extension Endorsement | EO-0820-1206 | Primary Residence, Residential | Mar 2022 | |
| Legal Liability | LL-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Home Systems Protection Endorsement | EO-0940-0125 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2025 | Jul 2023 |
| General Loss or Damage Not Insured | GLD-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| General Definitions – Residential | DFR-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Functional Rebuilding Cost | FRC-01.18 | Primary Residence, Residential | Mar 2022 | |
| Additional Coverage – Basic | ACB - 01.18 | Other Coverages, Residential | Mar 2022 | |
| Builders Risk Coverage | BR - 10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Additional Coverage – Premium | ACE - 10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Additional Coverage – Home | ACS - 10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
Testimonials
Other Products
At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of our knowledgeable agents or brokers.
