We have been providing people’s home insurance needs for over 100 years. Our experienced team in Cobourg can help get you the best residential insurance for you by choosing 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
Discover personalized residential insurance options in Cobourg designed to protect everything from your primary home to seasonal properties.
Primary Residence
Get reliable home insurance coverage for your property, with customizable options and competitive residential insurance rates.
Secondary Residence
When you own two homes, you need options for your second home that provide affordable protection.
Investment Property
Let our team show you insurance options that help safeguard your rental or income property with confidence.
Seasonal Home
Our seasonal home insurance provides good coverage for your cottage.
Watercraft
Add insurance for boats and other personal watercraft to your policy for extra peace of mind.
Personal Articles
Get added protection for valuables like jewelry, art, electronics, and more.
Other Coverages
Looking for something specific? Explore additional options to round out your residential coverage.
Offering Competitive Home Insurance Rates
HTM Insurance also offers an extensive array of discounts to help lower your home insurance costs without compromising coverage. From bundling your policies to claims-free rewards, we make it easy to save.
- Claims Free Services
- Mature Owners
- Burglar/Fire Alarms Discount – if alarms are installed and running
- Newer Home
- Generator
- Multi-policy
Why Choose HTM for Your Home Insurance?
Finding the right home insurance shouldn’t be complicated. Let our experienced team help you choose the right coverage for your home and lifestyle. Contact HTM Insurance today for a customized quote and discover how much you could save.
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 |
|---|---|---|---|---|
| Common Elements Condominium Corporation Extension Endorsement | EO-0825-0424 | Other Coverages, Residential | Apr 2024 | |
| Amphibious Automobile Coverage Endorsement | PE-00502 | Other Coverages, Residential | Jan 2024 | |
| Your Tenants Insurance Policy | TP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Secondary Home Insurance Policy | SH-10.23 | Residential, Secondary Residence | Oct 2023 | Jan 2018 |
| Your Seasonal Home Insurance Policy | SE-10.23 | Residential, Seasonal Home | Oct 2023 | Jan 2018 |
| Your Rental Dwelling Insurance Policy | RD-01.18 | Investment Property, Residential | Jan 2018 | |
| Your Premium Secondary Home Insurance Policy | PSH-10.23 | Residential, Secondary Residence | Oct 2023 | Jan 2018 |
| Your Premium Rental Dwelling Insurance Policy | PRD-10.23 | Investment Property, Residential | Oct 2023 | Jan 2018 |
| Your Premium Home Insurance Policy | PHP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Home Insurance Policy | HP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Condominium Rental Insurance Policy | CRP-01.18 | Investment Property, Residential | Jan 2018 | |
| Water Protection Endorsement | WPE-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Your Condominium Insurance Policy | CP-10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Your Basic Insurance Policy | BAS-10.23 | Other Coverages, Residential | Oct 2023 | Jan 2018 |
| Watercraft Floater | WC-11.20 | Residential, Watercraft | Nov 2020 | Jan 2018 |
| Water Backup Endorsement | WBE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2018 | |
| Statutory and Additional Conditions | EO-0895-0125 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2025 | Jan 2018 Oct 2023 |
| Roof Restriction Endorsement | RRE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2018 | |
| Personal Articles Floater | PAF-01.18 | Personal Articles, Residential | Jan 2018 | |
| Owner’s Construction Liability Endorsement | ELI-0012-0396 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Mar 1996 | |
| Life Lease Extension Endorsement | EO-0820-1206 | Primary Residence, Residential | Dec 2006 | |
| Legal Liability | LL-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| 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 | Oct 2023 | Jan 2018 |
| General Definitions – Residential | DFR-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Functional Rebuilding Cost | FRC-01.18 | Primary Residence, Residential | Jan 2018 | |
| Additional Coverage – Basic | ACB - 01.18 | Other Coverages, Residential | Jan 2018 | |
| Builders Risk Coverage | BR - 10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Oct 2023 | Jan 2018 |
| Additional Coverage – Premium | ACE - 10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
| Additional Coverage – Home | ACS - 10.23 | Primary Residence, Residential | Oct 2023 | Jan 2018 |
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.
