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Home Insurance

Home Insurance is a necessity whether you own or rent a house or a condominium. JEM Insurance can help you develop a policy designed to meet your individual insurance needs.

Why Get A Home Insurance Policy?

Home Insurance allows you to feel secure in your home knowing that your assets and property are being protected. These policies cover not only your home (and detached structures on the property) but also the contents and personal belongings within your home – even when they’re away from your home.

Home Insurance Policies also give you legal protection if someone gets injured on your property and sues you. Finally, it’s impossible to buy a home using a mortgage unless you have house insurance!

Some Questions You Should Ask

Once you’ve decided to buy Home Insurance you should ask your insurance broker at JEM Insurance the following questions:

  • What is my deductible and what are my options? There are generally quite a few options, each with advantages and disadvantages so talk with your broker and find out.
  • What will be covered under my policy? Find out if you need extra coverage for items like computers, jewellery, antiques, etc.
  • Is there anything I can do to reduce my deductible? There are many reasons discounts might be available; for senior citizens, for newly built home, if you are claims free and your broker can inform you of other discounts that may apply.
  • How do I know if my home is properly insured?
  • What are the exclusions and/or limitations in my house insurance policy?

In General

There are two main types of policies that you can purchase; Comprehensive and Broad Form:

  • Comprehensive policies cover your contents and building(s) for all risks that are not specifically excluded.
  • Broad Form policies provide comprehensive (all risks) coverage on your building(s), and the named perils on your contents.

These are basic insurance packages that will cover your dwelling, outbuildings, personal property, additional living expenses, legal liability, voluntary medical and property damage payments.

If you rent, you can purchase a Tenants Policy which will cover losses to your personal belongings and personal liability.

If you are a condominium owner, you can purchase a Condominium Unit Owners Policy which is similar to a Tenants Policy. However, this policy also includes coverage for special assessments due to any insured damage to, or liability arising out of, common areas as well as additional protection on your unit in the event of inadequate building insurance.

Request a quote and one of our experienced agents will get back to you within 24 hours to get started.

Request A Quote
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JEM Insurance Locations

Winnipeg – Portage
987 Portage Avenue
Winnipeg, MB R3G 0R7
204-774-4471

Winnipeg – Academy
472 Academy Road
Winnipeg, MB R3N 0C7
204-488-4484

Winnipeg – Henderson
12-963 Henderson Hwy
Winnipeg, MB R2K 2M3
204-594-0015

Winnipeg – Lakewood
9 – 35 Lakewood Boulevard
Winnipeg, MB R2J 2M8
204-415-9512

Steinbach
204-488-4484

Ste Rose du Lac
640 Central Avenue
PO Box 239  Ste Rose du Lac, MB
R0L 1S0
P 204-447-2008

Dauphin, Manitoba
P 204-447-2008

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jeminsurance

Family run • 472 Academy Road • 987 Portage Ave • 35 Lakewood Blvd • 12-963 Henderson Hwy • 640 Central Ave, Ste Rose du Lac

JEM Insurance
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