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Standard home insurance: This is also referred to as ‘named perils’ and is relatively basic in what it offers. It financially protects homes and their contents from named risks and perils.
Broad-form home insurance: This is a hybrid form of home insurance that offers aspects of both comprehensive and standard policies. It protects your property from all risks and perils (with exclusions) and your possessions from named perils.
Comprehensive home insurance: This is the most expensive policy, but it provides the most coverage. It financially protects your home and its contents from all risks and perils (with exclusions).
No frills home insurance: This is coverage for properties that don’t meet normal insurance standards. Because of this, very few homeowners in Canada have no-frills home insurance.
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