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Residential Insurance

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. 

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Residential Insurance Products

primary residence static

Primary Residence

secondary residence

Secondary Residence

investment property

Investment Property

seasonal home

Seasonal Home

watercraft

Watercraft

personal articles

Personal Articles

other

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.

  • Filter By Type

Description of Coverage Coverage Code Coverage Type Current Wording Previous Wordings
Your Rental Dwelling Insurance Policy RD-01.18 Investment Property, Residential Mar 2022
Your Seasonal Home Insurance Policy SE-01.18 Residential, Seasonal Home Mar 2022
Your Secondary Home Insurance Policy SH-01.18 Residential, Secondary Residence Mar 2022
Your Tenants Insurance Policy TP-01.18 Primary Residence, Residential Mar 2022
Your Condominium Rental Insurance Policy CRP-01.18 Investment Property, Residential Mar 2022
Your Home Insurance Policy HP-01.18 Primary Residence, Residential Mar 2022
Your Premium Home Insurance Policy PHP-01.18 Primary Residence, Residential Mar 2022
Your Premium Rental Dwelling Insurance Policy PRD-01.18 Investment Property, Residential Mar 2022
Your Premium Secondary Home Insurance Policy PSH-01.18 Residential, Secondary Residence Mar 2022
Water Backup Endorsement WBE-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Water Protection Endorsement WPE-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Watercraft Floater WC-01.18 Residential, Watercraft Mar 2022
Your Basic Insurance Policy BAS-01.18 Other Coverages, Residential Mar 2022
Your Condominimum Insurance Policy CP-01.18 Primary Residence, Residential Mar 2022
Life Lease Extension Endorsement EO-0820-1206 Primary Residence, Residential Mar 2022
Owners Constrution Liability Endorsement ELI-0012-0396 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Personal Articles Floater PAF-01.18 Personal Articles, Residential Mar 2022
Roof Restriction Endorsement RRE-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Statutory and Additional Conditions CON-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Functional Rebuilding Cost FRC-01.18 Primary Residence, Residential Mar 2022
General Definitions – Residential DFR-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
General Loss or Damage Not Insured GLD-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Home Systems Protection Endorsement EO-0940-0316 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Legal Liability LL-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Additional Coverage – Basic ACB - 01.18 Other Coverages, Residential Mar 2022
Additional Coverage – Home ACS - 01.18 Primary Residence, Residential Mar 2022
Additional Coverage – Premium ACE - 01.18 Primary Residence, Residential Mar 2022
Builders Risk Coverage BR - 01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022

Testimonials

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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.