First Time Home Buyer? Let Us Help!

This is an exciting time, and as a first-time homebuyer, it’s essential to understand the importance of home insurance and getting it right.

This page will provide you with some valuable information about home insurance, what it covers, and how to get the best coverage for your new home.

There’s a lot to know when it comes to protecting your home and belongings. If you still have questions about home insurance, reach out and we can help you navigate questions like:

  • What do I need to know before getting insurance?
  • What documents do I need before getting home insurance?
  • What’s NOT covered in my situation?
  • What type of insurance do I really need?

Still have questions as a First Time Home Buyer about home insurance? We’re happy to help – no obligations!

LP - First Time Buyer

Why is it important that first time home buyers have the right home insurance?

As a first-time homebuyer, investing in home insurance is crucial to protect your valuable asset. It offers financial security in case of unexpected events, helps you recover from losses, and provides peace of mind knowing that your home and belongings are safeguarded. You’ve worked hard to get here – it’s worth protecting the right way! 

What does Home Insurance Typically Cover?

  • Dwelling Coverage: This covers the structure of your home, including the roof, walls, and foundation.
  • Personal Property Coverage: It protects your personal belongings, such as furniture, electronics, and clothing, against theft or damage.
  • Liability Coverage: This safeguards you against lawsuits if someone is injured on your property or if you cause damage to others’ property.
  • Additional Living Expenses: If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary living expenses.
  • Other Structures Coverage: It covers structures on your property that are not attached to your main dwelling, such as a fence, shed, or detached garage.


Get the right advice as a first time home buyer. Reach out to Cluett – your neighbourhood broker.

Find out everything you need to know about protecting your new home.

How to Get Home Insurance as a First-Time Homebuyer.

Assess your needs first.

Big insurance companies will often try to fit you into their own policies when in reality, you might need something more or something outside the box. Getting the right home insurance starts with assessing your needs and figuring out what you need to protect and what you may need to protect from.

Consider Deductibles

Picking an insurance policy can often seem overwhelming or very competitive among companies. By working with a broker like Cluett, we’ll be able to shop around for you and get the right plan you need while taking your comfort level with deductibles and more.

Bundle Policies

Bundling insurance policies can make massive differences in your payment. You’ll be wanting to keep expenses in check as the new owner of a home so savings should happen wherever they can.  Bundling your insurance policies is a great way to save and ensure that everything you need covered is in fact covered.


Please contact our office to speak with a representative at 1-866-466-9660