Your home is most likely the biggest purchases you will ever make. It is a wise financial decision to properly insure your home. It will also give you peace of mind.

Everyone has heard of horror stories where people thought they were covered under their home insurance policy. At Erb and Erb we take the time  to carefully discuss with you the options and limits you require. We really want you to fully understand the home insurance protection you are buying.

We offer home insurance products from 16 different insurers, which means we can source the most competitive and complete coverage that will meet your needs for the protection you need.

Once our insurance advisor understands your requirements,  we will make an appointment for one of our qualified in-house inspectors to visit your home to measure and take photos. This ensures we cover your home to its full replacement value with guaranteed replacement cost.  We don't guess, we actually do the work that is necessary to ensure you protected.

Similar to home insurance, the basic needs of a condominium unit owner are to provide proper coverage for their investment. In most cases, the Condominium Corporation covers the "standard unit" and the unit owner is responsible for supplying the remaining coverage.

Often, residents of condos assume the have adequate coverage through their condo corporation, but that is rarely the case.

A good insurance policy contains coverage that will extend to those sections that are not fully insured by the Condominium Corporation's master policy. We help you to decipher what areas are covered and what  areas are not   -- remember, we are on your side!

We extend condominium insurance to all types of condos, including:

Are your belongings insured if there is a fire or other loss? If you rent or lease, you are responsible for insuring your personal goods within the structure you rent.

The landlord who owns the structure (house, apartment or townhouse) carries the responsibility to cover the structure, but you as the rent must cover your belongings and any legal liability.

Presently our insurance brokers are licensed to offer personal insurance products to residents of Ontario, Canada.