Residential Insurance

Home - It’s the place for raising a family… neighbourhood gatherings... and backyard barbecues. It’s your home, and, as the saying goes, there’s no other place quite like it. That’s why choosing the proper insurance program is such an important decision. It’s about more than just price. It’s about choosing a company that’s going to be there when you need it most.

“In the event of an accident, claim or loss, Town & Country will respond with swift and detailed claims service. Our goal is to address the situation as quickly as possible with personal service that treats you like a neighbour - not a number.”

Whether you own a home, condo, or are renting, we can make your insurance as affordable as possible while understanding your personal needs and wants. 

Talk to our insurance professionals about insuring your:

  • Home –  With a homeowners policy from Town & Country you’re covered for not only your home, but the valuables inside it, detached buildings like a garage, plus personal liability coverage - all based on your needs.
  • Apartment – Tenant insurance is designed to protect your valuables, as well as cover any damages you could be liable for (such as damaging a neighbour’s property or if someone is injured while visiting your home).
  • Condominium – From your contents to personal liability, you’ll be covered for what matters to you. With our condo insurance solutions, you also receive coverage for improvements you make to your unit, as well as protection for any assessments levied on you by your condominium corporation.
  • Cottage – If you insure your main residence with us, you can extend some of the coverage from your main residence to insure a seasonal cottage, or another home that you only use for one or two seasons a year. There are two levels of coverage and your insurance professional will work with you to cover what is important to you.

Custom build your protection with these optional coverages:

  • Functional Replacement Cost
  • Identity Theft
  • Credit Card, Bank Card Fraud
  • All Risk Jewelry, Fine Arts, Tools, Collectibles, Tools & Musical Equipment
  • All Risk Watercraft
  • Home Based Business


Town & Country will make your insurance as affordable as possible with discounts on property and auto policies and coverages that take advantage of your excellent driving record. You can reduce your insurance premium if you qualify for one or more of our discounts.

Property Discounts

  • Claims Free
  • New Home (20 years old or newer)
  • Property-Auto Combined
  • Deductible
  • Loyalty
  • Alarm System
  • Mortgage Free

Automobile Discounts

  • Auto-Property Combined
  • Multi Vehicle
  • Mature Driver
  • Gen Now
  • New Driver Discount
  • Short Distance Commute
  • Loyalty
  • Retiree Discount
  • Winter Tire Discount