Home/Tenant
I Have a Basement Locker — Is It Covered by My Condo Insurance Policy?
*rumi*Popular🛋️How Much Contents Coverage Do I Actually Need?
Need contents coverage? Learn how to calculate the right amount and find out which personal belongings are covered (and which might need extra protection).Popular🛠 How Is My Custom Home or Tenant Insurance Premium Calculated?
Your premium isn’t random — here’s what goes into it: 📜 Your insurance history: Have you had past claims? Are you a first-time policyholder? Your history helps insurers assess risk and pricing. 🏠 Your home’s details: Things like your building’s replacement cost, year built, and square footage all factor in. 🔥 Fire protection rating: This is based on how close you are to a fire station or hydrant, which helps gauge emergency response times. 🔧 Upgrades & construction dPopular🏡 Why Are There So Many Questions on the Home Insurance Quote Form?
We get it — answering a bunch of questions during the quote process can feel like a lot. But here’s why we ask them: 🧠 Smart Automation: Many of the questions you see (especially around liability) are part of the standard CSIO home insurance application — this is the format insurers across Canada use to assess risk and offer accurate quotes. ✅ Less Back-and-Forth Later: By answering them upfront, we can eliminate extra steps later in the process. It helps speed things up if youPopular🐾 I have a dog, does this impact my insurance coverage?
Generally speaking? Nope — you're good! 🐶 We love dogs too. Most households have pets, and insurers totally get that. The only time a dog might raise a red flag is if they’ve had a bite history — then they might ask for a few more details. As the owner of your furry bestie, you are legally responsible for them. That means if your pup accidentally causes damage or injures someone, you could be liable — but that’s what liability coverage in your tenant or home insurance is for!Some readersWhat Are Additional Living Expenses (ALE)?
If something happens to your place (like fire, water damage, or another covered event) and you can’t live there temporarily, Additional Living Expenses (ALE) coverage helps with the extra costs of living somewhere else. 🏨 That could include hotel stays, short-term rentals, food, and even transportation costs — basically, anything above what you'd normally spend at home. ✨ It’s there to help you stay on your feet while your place gets sorted out.Some readersHow Can You Get Me Discounted Rates?
At Walnut, we don’t believe in one-size-fits-all. We shop around for you, comparing quotes across multiple insurance markets to make sure you’re getting the best possible rate on your home or vehicle coverage. ✅ We work with a wide network of insurance providers ✅ We look for available discounts you may qualify for ✅ We make sure your coverage actually fits your needs Think of us as your personal insurance matchmaker—saving you time and money 💸Some readersWho’s Covered by My Insurance Policy?
Basically, if someone is related to you (like a spouse, child, or sibling) and living in your household, they’re automatically covered under your insurance. 🙌 So whether your partner moved in, your sibling is crashing for a while, or your parents live with you — they’re protected under the same policy when it comes to the stuff that’s covered. 💡 Not sure if someone counts? Reach out and we can confirm who’s included under your specific plan.Some readersHow Long Is My Quote Valid?
Once you start an application, we’ll lock in your quote for 30 days. That means you’ve got a full month to think it over, compare options, or sort out the details before making your move. ⏳ After 30 days, the quote may expire or change depending on market conditions — so don’t wait too long if it feels like the right fit. Need to make changes or re-quote? We’ve got your back — just reach out!Some readersWho Needs to Be Included on My Home/Tenant Insurance Policy?
📝 Heads up: This applies to custom insurance policies. If you're getting custom insurance for your home or rental, anyone who owns the place needs to be on the policy. Yep — even if your partner or parent technically owns it but you're handling everything, their name still has to go on the paperwork. 💬 Why? Because the insurer needs to know who's got a legal stake in the property. It keeps everyone covered and avoids hiccups if you ever need to make a claim. 🏦 Got a mortgage oSome readersWhy Do You Need My Date of Birth?
We get it — giving out your birthday can feel a bit personal. But here’s the deal: 🎂 Your date of birth helps insurers run a soft credit check and check your insurance history — no impact to your credit score. This info helps unlock the best discounts, flexible payment options, and accurate quotes. 🛑 Not into the credit check? That’s cool. We can still get you coverage — just note that some perks or payment plans might not be available without it. 👉 Check out the consent sectiFew readers
Travel
Am I Covered for COVID-19 During My Upcoming Cruise?
,Yes — Emergency Medical Care does cover you for COVID-19 while you're on your cruise, as long as: You’ve followed all federal travel vaccine requirements issued by the Government of Canada for entry and/or return to Canada, and The country you're cruising to isn't under a government-issued travel advisory to avoid all or non-essential travel due to COVID-19 at the time of your departure. 🚫 Not Covered If... You're not covered for COVID-19-relatPopular✈️ Why Do I Need Travel Insurance?
Whether you're Canadian adventuring abroad, road-tripping across provinces, or even just taking a staycation within Canada — travel insurance has your back. 💼 It protects both you and your travel investment. That means if your trip is hit with a medical emergency, delays, cancellations, or unexpected issues, you’re not stuck footing the bill. Travel insurance can help cover things like: 🏥 Emergency medical expenses 💸 Trip cancellation or interruption 🧳 Lost or delayedPopular
Home Insurance
🏠 Thinking of Listing Your Condo on Airbnb or a Home-Sharing Platform?
Heads-up! Your regular condo insurance might not have your back if something goes wrong while your unit is being rented out on a home-sharing platform. If you're planning to host through Airbnb, Vrbo, or any other short-term rental service, reach out to us first! We'll help you find a policy that actually covers you — because not all insurance does. We work with multiple markets that offer coverage specifically for home-sharing. Let’s make sure you’re protected the right way. 🙌 💬 Need help? CSome readersI Have a Wood Stove or Pellet Stove — How Does That Impact My Home Insurance?
🔥 Solid fuel appliances like wood stoves, pellet stoves, or even fireplaces are cozy — but they can increase your fire risk if not properly installed or maintained. Because of that, insurers may need to review extra details about your setup before providing an accurate home insurance quote. We’ll ask about: When it was installed If it was professionally installed What type of chimney or venting system it uses How often it's cleaned or serviced Once we hSome readers🏡 How Much Insurance Do I Need for My Home?
Learn how to determine how much home insurance you need, including coverage for your home’s structure and personal property. Get tips on inventory and coverage limits.Some readersHow Can I Reduce My Home Insurance Premium?
Looking to lower your home insurance premium with ATCO Energy? Discover how security systems, higher deductibles, and claim-free bonuses can help you save big on your coverage.Some readers💻 What If I Work From Home?
Working from home or telecommuting? You're probably good to go — most insurers are totally fine with that! 🙌 But if you’re running a business out of your home (like you're self-employed or side-hustling from your living room), it’s important to give us a heads-up. Why? So we can make sure you and your business are fully covered in your policy. Got questions about what counts as a “business from home”? Chat with us and we’ll help you sort it out!Some readers🏊 If I Have a Swimming Pool or Hot Tub, Will My Insurance Go Up?
Wondering if a swimming pool or hot tub affects your home insurance? Learn how these features may impact your premium and what safety measures insurers might requireSome readersIs My House Insured for What It's Worth on the Market?
🛑 Short answer: Nope! Your home insurance doesn't cover the market value of your property — it covers the cost to rebuild your home after a covered loss (like a fire or major storm). That means: 🏗️ It pays for construction, demolition, cleanup, and other rebuilding expenses. 🌍 It doesn’t include the value of the land your house is on (because that doesn’t burn down). So, while your home's market price might go up or down, your insurance is focused on what it takes to rebuiSome readers🛠️ What Is Guaranteed Replacement Cost?
Guaranteed Replacement Cost means your insurance will cover the full cost to rebuild or replace your home — no matter how much prices have gone up since you bought it. That’s right, no deductions for depreciation or outdated materials. 🙌 If your home is a total loss due to a covered event, your insurer will pay whatever it takes to rebuild it to the same quality — even if that ends up being more than your original policy amount. It’s peace of mind when things go sideways. 💯Some readers