Home Insurance Cornwall

Your house is more than just a structure—it’s your family’s safe space, a source of memories, and one of your most valuable assets. As a reliable insurance broker in Cornwall, we tailor your coverage to protect your property and belongings against unexpected events. Whether you own a house, condo, or mobile home or rent an apartment, we help you find the right coverage to meet your needs.

Living in Cornwall, ON, means facing a variety of risks, from harsh winter weather to property-related damages. Securing Ontario home insurance policies gives you peace of mind, knowing that your property is covered in case of fire, theft, liability claims, and more. With over 40 years of experience, R. Paquette Insurance Broker Inc. connects you with the right policy for your home and budget.

House Insurance Coverage Options

Every homeowner has different insurance needs. That’s why we customize your house insurance coverage to suit your property, lifestyle, and risk profile. Coverage may include:
  • All-risk or named perils: Choose comprehensive or selective protection.
  • Replacement cost: Coverage based on current replacement value
  • Personal liability: Protection in case someone is injured on your property
  • Additional living expenses: Covers hotel stays and meals if your home is uninhabitable.
Our licensed advisors will walk you through every detail, ensuring you understand what’s covered and what’s not.
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Types of Cornwall Home Insurance

Every home is unique, and so are your insurance needs. Here are the main types of Cornwall home insurance we offer:

Homeowners Insurance

homeowners insurance cornwall
Ideal for individuals who own their houses, this coverage protects the structure of your home, personal belongings, liability, and living expenses in case of an insured event. It’s the most common form of house insurance coverage in the area.
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Tenant Insurance

tenant insurance cornwall
Also known as renters insurance, this option is perfect for tenants. It covers your personal belongings, offers liability protection, and can help with additional living expenses if you’re temporarily displaced due to damage to your rented space.
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Condo Insurance

condo insurance cornwall
If you live in a condominium, your building may have master coverage, but it won’t protect your personal property or interior improvements. Our condo insurance policies cover what your condo corporation doesn't.
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Mobile Home Insurance

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Residents in mobile homes or manufactured houses can benefit from specialized mobile home policies designed to cover unique risks like transportation damage, anchoring issues, and customized features.
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Home Insurance Tips in Cornwall, Ontario

Want to make the most of your home insurance policy in Cornwall, Ontario? Here are some expert tips for home insurance:
  • Review Your Policy Annually: Make sure your coverage reflects your home’s current value and upgrades.
  • Bundle Your Policies: Combine your auto and home insurance for additional savings.
  • Install Security Systems: Adding monitored alarms and fire detectors may lower your premiums.
  • Maintain a Home Inventory: In the event of a claim, having a documented list of possessions can simplify the process.
  • Ask About Water Damage Coverage: Not all policies include overland flooding or sewer backup—be sure to ask.

What Does a Typical Cornwall Home Insurance Policy Cover?

Most house insurance coverage in Ontario includes:
  • Dwelling Protection: Covers the physical structure of your home against perils such as fire, hail, and windstorms.
  • Personal Property Coverage: Protects belongings like furniture, electronics, and clothing.
  • Liability Coverage: Helps cover legal expenses if someone is injured on your property.
  • Install Anti-Theft Devices: Pays for temporary accommodation if your home becomes uninhabitable due to a covered loss.

We Serve All Drivers in Cornwall and Beyond

Whether you're a retiree, young professional, or small business owner with a fleet, we’re proud to serve a wide range of clients across Cornwall, ON, and the surrounding areas. We assist:
  • Daily commuters
  • Students and new graduates
  • Families with multiple vehicles
  • Owners of classic cars
  • Small business owners and commercial vehicle operators
Looking for specialized coverage? Just ask—our experienced agents are happy to help.

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Frequently Asked Questions