Your premium rate will not increase due to your age, provided your mortgage balance does not increase during the life of your existing mortgage, or you do not refinance your mortgage. No life, critical illness or disability benefit will be paid if you fail to disclose information or give incorrect information relating to the application (or earlier HomeProtector applications if made within 2 years of the date of your death, disability or critical illness). If you answer ‘NO’ to all of the applicable application health questions, then your application is accepted and the Insurer, Canada Life, does not require any more health information. If you answer ‘YES’ to any of the applicable application health questions, you will be asked to provide additional information through a separate health assessment. Additionally, you also have full control of your surveillance options, and don't need to wait for alerts in case you may be unavailable to take them. As a monitored solution, Frontpoint can call 911 for you if they detect a clear incident, ensuring that your home remains protected even if your smartphone is switched off. If you don't already have a mortgage, or want to switch over, our Mortgage Specialists can help you. They'll offer advice on the various mortgage options available to you, some of which may help you to save thousands of dollars in interest over the life of your mortgage. You'll then be able to apply for HomeProtector Insurance.

If you know in advance that you are going away and you have some time to prepare for leaving the home empty, then there’s no limit to how long you can leave your house unoccupied. Before you leave, you should take some steps to ensure the property is well maintained and secure and to make it appear as though someone is at home. When an event is triggered, an alert can be sent via text to your phone or other device, along with a video and/or audio clip of it. This allows you to decide whether the event is worth further action. A health assessment allows the Insurer, Canada Life, to review your application for insurance in detail. The health assessment may include a telephone interview with a representative of the Insurer. Depending on the outcome, Canada Life may require you to complete a detailed health questionnaire or obtain a medical report from your current attending physician. In certain circumstances it may be necessary to undergo a paramedical examination and a blood/urine test.

149 years of protecting what matters

The Pre-existing Conditions Exclusion under HARP means your benefit will be limited if you re-applied for life, disability, or critical illness Insurance due to refinancing or adding on to your mortgage under HARP; and you Is there a spare key that’s easily visible, or easy to find, such as underneath a plant pot or above the ledge on the door? The date the Insurance Service Centre receives your written or verbal request to cancel your life, critical illness or disability insurance;

Motion sensors: A motion sensor will trigger your alarm system if an intruder manages to gain entry to your property without triggering your entry sensors. Homeprotect’s home insurance policies offer cover and protection for your home against certain risks. These include: Homeprotect offers a range of additional protection to bolt onto your specific home insurance policy, including: Calculating the common-scale rating: We divided the adjusted T-Score, which is on a 100-point scale, by 20 to convert the third-party rating to a common 0-5 point system. Once a burglar has chosen a property to target, they will often scope it out. More professional burglars will do this for two or three days, according to the ex-burglars we spoke to.They'll also consider whether or not their access route is overlooked. One told us that they would look for high hedges and anything else that would protect them from a neighbour’s line of sight. However, we did particularly like ADT’s integrations with smart devices. Its systems are compatible with Alexa, along with a range of other devices including smart thermostats, smart light bulbs, and garage door openers. There are various ways to protect your home. Here are our top tips, some of which cost little or nothing: Visible burglar alarm

Gravel around your home is a great deterrent, as it makes it harder for burglars to approach without alerting the occupant.You need to open and complete this form online. As you cannot save your progress, you should get all your information together before you start.

Only available in six western states, Landmark offers two coverage plans: Home Systems Plan and Total Plan. Both cover pest and termite control service, in addition to heating, venting, and air conditioning (HVAC) systems.

Stay security savvy

There are a number of factors that can affect the cost of your Homeprotect home insurance premium, including: