As a broker, we are not limited to one insurance carrier. We shop the market and work on your behalf to help you find the right coverage to suit your needs.

Enhance your protection with additional optional coverage.^†

Worry-Free Bundle
The Worry-Free Bundle combines the Personal Property Claim Protector and the Disappearing Deductible into one endorsement for premium savings.

Disappearing Deductible
Every year you don’t have a claim, your deductible goes down by 20%. After five years it disappears entirely!

Personal Property Claims Protector
This protects your Claims Free Discount following the first claim on the protected location in a five-year period. After one claim, the Personal Property Protector endorsement must remain in place to keep your Claims Free Discount in the following term.

Sewer Back-Up/Water Endorsement
Coverage for sewer back-up/water varies depending on where you live. Contact an OTIP customer service representative at 1‑800‑267‑6847 for information on different coverage levels and rates in your area.

Overland Water Protection
If you have sewer back-up protection, you may also be eligible to purchase overland water protection. This protects your property from loss or damages should water enter your property as a result of heavy rains, spring run-off or overflowing lakes or rivers.

Service Line Coverage
This coverage provides protection when utility lines (e.g. water, sewer, electrical lines) that run onto your property are damaged. While it seems like a small potential for loss, service line damage can be quite expensive. If you live in an older neighbourhood, the likelihood for a loss and the size of that loss is also increased.

Identity Theft/Cyber Coverage
This coverage protects you in the event that your identity is stolen and used in a malicious manner, causing financial harm. Certain endorsements can assist the injured in recouping administrative costs and time off work required to restore their identity. Basic coverage falls into two categories: (1) credit card, automated teller card, forgery, and counterfeit money, and (2) identity theft expenses. Expanding on this coverage to include cyber coverage provides your with protection in the event that your electronics (e.g. personal computer, home system, data, etc.) are hacked, held from ransom, deleted by a third party, or used with malicious intent. Learn more about identity theft/cyber coverage.

Education Extra Package
The Education Extra Package is available exclusively through OTIP and can be added to your home, condo or tenant insurance to increase your personal property coverage. In addition to extended coverage that protects your teaching supplies and even school board property, this package also provides enhanced coverage for additional items, including mortgage payment protection, property of a student away from home to attend school ($25,000) and personal property belonging to a parent in a nursing home ($20,000). Learn more about the Education Extra Package.

^† Coverage availability depends on insurance carrier.