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Protect Yourself with Home Insurance in Welland

Bertie & Clinton is a mutual insurance company. This means that we provide insurance coverage to you directly. You, as a policyholder, may be eligible to receive refunds from surplus at the end of our fiscal year.


Bertie & Clinton Mutual Insurance Company offers home insurance to Welland and the Niagara Region. Your home is one of the largest investments you will ever make in your lifetime. Therefore it’s important to have financial protection should anything happen on your property.


What Is Home Insurance?

Home insurance covers damages to your property, loss of use of the home which could incur additional living expenses, loss of personal possessions, and more. It can cover sudden and accidental occurrences that arise from fire, lightning, hail, falling objects, theft and other hazards. As a type of property insurance, home insurance also includes liability insurance for accidents that may happen on your property.


What if You are Renting a Home or an Apartment?

If you are renting a property, it is as important to have renter’s insurance (also known as Tenant's Insurance). While your landlord should have home insurance for the property you are renting, it only covers the building itself. Your personal possessions, living expenses and liabilities are all still your responsibility. As the physical property is by far the most expensive aspect of home insurance, a renters insurance policy should be quite low; and it will depend greatly on the value of the items which you need to have insured.


Why Should You Have Home Insurance?

It’s essential to have home insurance. Welland residents can benefit from home insurance through saving money in the event that something happens to your home or belongings. Additionally, Bertie & Clinton can also offer advice on how to make your property more resistant to natural disasters. We have an in-house team of staff dedicated to helping you become aware of ways to prevent or lessen the severity of a loss that may occur in, and around, your premises. Not to mention that most mortgage companies require you to have home insurance before you can borrow money from them.


What Factors Affect Your Home Insurance Rates?

Several factors can affect your home insurance rates. One is the amount of deductible you pay. You may be eligible for a discount by increasing the amount of your deductible. Your deductible is the portion of the loss that you are responsible for in the event of a claim. Improving your security is another way to reduce your rates. Installing a monitored alarm system in your home would qualify you for such a discount.


Review your policy annually with your Bertie & Clinton Agent to see if any discounts are available to you. Also, take this opportunity to discuss your coverage with your Agent to ensure that your coverage still meets your needs.


Contact Bertie & Clinton to request a consultation with one of our insurance agents.

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