Home insurance
Your home is far more than four walls. It’s your refuge, your investment, your daily life. We make sure you’re protected against the unexpected — water damage, fire, theft — with coverage built around your situation.
Coverage overview
Home insurance is peace of mind — knowing your home is protected, with coverage shaped to your property and your circumstances.
Building and structure
Covers damage to your home from fire, lightning, wind, hail and other events your policy includes.
Personal belongings
Protects your belongings, furniture, clothing and electronics against theft, fire or other covered damage.
Civil liability
Protects you if an accident at your home leaves you liable for injury or damage to others.
Additional coverage
Living expenses, sewer backup, identity theft — options for full coverage, no blind spots.
Why work with a broker
Part of a team, an independent broker works for you, not an insurer. They compare your options, give you straight, honest advice, support you at claims time, and stand up for your interests at every turn — so you never feel like you’re going it alone.
Access to multiple insurers
Your broker shops a range of insurers on your behalf and brings back the best options — coverage that genuinely fits, at the most competitive price out there.
Advice built around you
No one-size-fits-all here. Your broker gets to know your situation, your assets and your real needs, then recommends the right amount of coverage — not too much, not too little.
An ally at claims time
When something happens, your broker is right there in your corner — guiding you through the claim, speaking up for you with the insurer, and making sure you get everything you’re owed.
FAQ
Questions about your home insurance? You’re not alone. Here are clear answers to the ones we hear most.
It depends on the cause and on your policy. Some damage is covered by default; other kinds need a specific endorsement, like sewer backup or water seeping through the foundation. This is one of the most misunderstood corners of home insurance. Your Univesta broker can review your policy and close any gaps before a claim ever comes up.
Not automatically — and this one’s important. Short-term rentals can change your coverage, or even void it, if you haven’t told your insurer. Before you rent out any space, talk to your Univesta broker to make sure you’re properly protected.
Usually yes, but with limits that depend on the type of item. Jewellery, electronics, artwork and bikes often have their own coverage caps. You can add endorsements to better protect your valuables. Your broker can tell you exactly what your policy covers.
What matters to you matters to us.
We take the time to really understand your situation, so we can protect you better.