Peace of Mind Starts at Home

Request a Quote Today

Every Home Is Different; Your Coverage Should Be Too

Your home is the centre of your life and one of your biggest investments. Property insurance protects you from both major and minor risks — from fire and natural disasters to pipe leaks and property damage.

At Miller Insurance Brokers, we’ve been helping families across Southwestern Ontario protect their homes and belongings since 1899. Our local, experienced team takes the time to understand your unique needs and helps you find coverage that safeguards your property, giving you peace of mind for the unexpected.

Property Insurance Coverage Options

  • exterior of scenic blue house with landscaping

    Homeowners

    Standard protection for your house, garage, and personal items.

  • exterior of condominium balconies

    Condominiums

    Coverage tailored for condo owners, including unit improvements and liability.

  • interior of kitchen in an apartment unit

    Tenants

    Protects your belongings and covers liability as a renter.

  • exterior of an affluent cottage cabin

    Secondary Homes

    Specialized policies for secondary vacation homes and cottages.

  • living room interior of an apartment unit

    Rental Properties

    Designed to protect property owners from the unique risks of renting to others.

  • exterior row of mobile homes

    Mobile Homes

    Mobile home insurance protects your home and belongings from risks specific to mobile living.

What’s Included in Home Insurance?

Provided is a breakdown of the standard coverages included in property and tenant insurance in Ontario.

Each policy is unique, so be sure to contact us to understand your coverage and ensure you’re properly protected, no matter where you live.

  • Covers situations where you could be held legally responsible for bodily injury or property damage. This coverage can also help with any legal costs you may endure.

  • Protect your belongings and contents in your home, including everything from your furniture to clothes and electronics. This is also known as contents insurance.

  • If you cannot live in your home while it’s being repaired from a covered event, this coverage will cover your living expenses, including accommodations, meals, and other related expenses.

  • Some insurance partners provide additional coverage for added protection for rental renovations/improvements, identity theft, service line protection, sewer backup and overland water protection.

Condo Insurance

A master condo policy typically protects only the shell of your unit, leaving your personal belongings and interior finishes at risk. Your condo association’s insurance policy likely covers common areas and shared spaces but may not protect your unit’s improvements, fixtures, or personal possessions.

Condo insurance fills that gap — combining elements of landlord and tenant coverage to protect what’s uniquely yours. It also covers damage caused by theft, fire, severe wind, lightning strikes, and frozen pipes. However, it generally does not include flooding, so additional coverage may be needed.

We’ll help you understand your bylaws and ensure you have the coverage you need to protect your home and belongings.

A family enjoying playtime in a bright living room. The father is carrying a young girl on his back, and they are both smiling and laughing. A woman stands beside them, partially visible, also engaging in the fun. The room has a blue sofa with yellow and white pillows, a white side table with plants, and large windows with sheer curtains.

Request a Free Quote

Since 1899, our team has proudly supported Southwestern Ontario with reliable coverage and trusted guidance.

Fill out the form, and one of our knowledgeable brokers will reach out to provide a personalized, no-obligation insurance quote.

Local service, long-standing relationships, and peace of mind — that’s the Miller Insurance Brokers promise.

Local Knowledge. Trusted Carriers. Personalized Service.

Parents with child moving in new house

  • "Been a customer for many years and always had great response and service. My agent is always there to help and great to deal with if you are looking for any kind of insurance."

    – Verne P.

  • “I have been with Miller Insurance Brokers since 2009. We have always had excellent and responsive customer service from the brokers there. If we had a question or concern, they have always been quick to respond to email or phone calls.”

    – Karen Z.

  • "The staff of Miller Insurance Brokers have, once again, gone far beyond expectations in their accountability and diligence [...] Thank you again for demonstrating what businesses should strive to be."

    – Emile E.