RESIDENTIAL / PROPERTY INSURANCE
Whether you are just moving to your first apartment, purchasing your first home, downsizing to that well deserved condo or buying your 3rd rental property... I will tailor a package that is right for you. And, as a member of a mutual, you share in the ownership of the company, so when caradoc Townsend mutual has a great year, so do you! Underwriting gains allow the mutual to issue refund cheques to it’s policyholders. At caradoc Townsend mutual we are proud to have provided its members with a 10% refund in 2013 and just over 4% in 2014.
Over 1 Million Dollars has been refunded to our policyholders during the past eleven years! Be a part of your local mutual!
- Homeowners Insurance
Comprehensive protection for your home that includes replacement cost on your dwelling as well as your contents. I will tailor a plan that suits your needs and budget. And should you experience a claim that requires you to leave your home... I Will be sure you have suitable protection for additional living expenses so you will not have to worry about all of those out of pocket expenses!
Do you have valuable fine arts, or a rare stamp collection?
Rest at ease knowing we will discuss all of the optional coverages available for your unique situation, and I will do it in person in the comfort of your home or office.
- Condominium Owners Insurance
Don’t be confused by coordinating coverages with your condominium corporations master policy! I have over 25 years insuring both unit owners themelves as well as corporate policies covering the entire complex. I understand the in’s and out’s of this unique insurance and will tailor a plan that is right for you! Comprehensive coverage for your personal belongings and coverage to protect you for your responsibilities as a unit owner – such as loss assessment, unit improvement & betterments, additional protection for building and additional living expenses!
- Renters insurance
Don’t underestimate the value of having renters insurance for your personal belongings. Even though your contents might be a year or two old, should you experience a fire or a break in, you are going to need funds to purchase these items new again. I offer low cost insurance for tenants that provides replacement cost insurance on your contents as well as personal liability should someone be injured in your unit.
- Mobile home & seasonal homeowners
You have worked hard and now have the funds to buy that second home, whether it be a mobile home, cottage or trailer... Rest assured we can provide you with a proper package to cover all of your needs..INCLUDING The contents you keep there!
- Income property
From protecting the investment property itself, to landlord contents and loss of rental income, you can rest assured, I will tailor a plan that is specifically geared to investment property owners without breaking your wallet – because let’s face it...YOU Are in this to make money!
- Auto, commercial auto, motorcycle & motorhome protection
Yes, I can assist you in obtaining both the necessary legislated coverages in case you injure a 3rd party or yourself, as well as coverage to replace your vehicle. Don’t let the complexity of this coverage frighten you...I will take the confusion out of your options and explain it in a way that makes sense to you, because let’s face it...YOU Just want to be on the road!