Better insurance for your home. A better home for your insurance.
It’s been said that “Home is where the heart is”. If you’re like most people, it’s also where everything else you cherish resides. Your family, pets, worldly possessions, heirlooms, and more. So it makes good sense to protect it and its contents.
At Bartlett Insurance, we offer insurance for your primary residence, as well as seasonal and vacation properties, such as your cottage. Since we live in the area, we know all the potential perils specific to the region, and how best to prepare for the unexpected.
Whether you rent, own a condo or home, it’s generally a good idea to start with the basics and then customize your coverage to your specific needs.
T H E B A S I C S
Designated Property Damage
Coverage includes these main risks:
- Theft, including damage caused by attempted theft
- Fire, lightning, explosion and smoke
- Certain types of water damage that originate in your home
- Hail and windstorms
- Impact from a vehicle or aircraft
- Impact by objects
- Damage to goods while being transported
- Weight of snow, ice or sleet
- Collapse of your home or any part of it
- Coverage included
Dwelling and attached structures
From foundation to roof and almost everything inside. Also includes permanently installed outdoor equipment, temporary outdoor structures (like gazebos and garages, plus their contents), as well as docks on your property.
Things like garden- or tool-sheds on your property.
Items you and your family own, wear or use, like furniture, clothes, shoes, electronics and appliances.
Additional living expenses
If something happens that’s covered by your policy and you can’t live in your home, you may qualify for money to help pay your living expenses until you can return home or find another place to live.
A D V A N C E D
Includes risks covered by Designated Property Damage, minus certain exclusions detailed in your policy, plus:
Loss of personal property (you lose your phone while at the cottage)
Accidental breakage of personal property (you back up out of the driveway over your laptop)
Even if it’s not your fault, if something happens on your property, you’re responsible. Liability covers you for unexpected expenses that arise if someone is accidentally hurt, or someone else’s property is damaged because of something you did, or happened in your home, including:
Lawsuits (up to the maximum amount of insurance)
Covers things like your legal defence, settlements or related payments
Medical payments and expenses
Payments up to $5,000 like surgery, dental work, hospital stays, nursing care, ambulance or funeral expenses
Payments for accidental damage to someone else’s property (a fire in your home spreads to your neighbour’s home)
Everyone’s different with different needs. Talk to use about customizing your coverage so you get just the right kind of protection, including things like:
Protection if water accidentally leaks into your home from backed-up sewers or septic tanks, a broken sump-pump or water supply
When it goes missing or gets damaged you can eliminate coverage and lower or eliminate your deductible by having it on a floater.
Sports equipment like bicycles, hunting and fishing equipment and hockey gear.
Watercraft like canoes, kayaks or small sail boats.
Tools and more!
A U T O I N S U R A N C E
Let us help steer you in the right direction.
Whether you drive a car, truck, SUV, minivan, or one of those futuristic hybrid electric vegetable oil powered chariots, you’re legally required to have basic auto insurance.
Beyond that, you have a multitude of options. You can spend hours researching, or spend minutes talking to us and get the auto coverage that works for you.
Bartlett Auto Insurance
If you crash into something, like a telephone pole or other car, repair costs can really add up. Collision coverage means you won’t be paying out of your own pocket.
All the other stuff, like fire, theft, or vandalism
Accident Forgiveness will protect your good driving record and keep your premium from rising if you have an accident, it’s your first one, and it was your fault.
Did you know that in the event of an accident the basic coverage may not be enough to replace your income, provide adequate home care or all the rehabilitation costs? We can help!
Coverage is also available against the depreciation on your new vehicle for up to 48 months