Insurance Checklist for New Homebuyers This Spring

Buying a home is a big move, and there’s a lot to line up before closing day. At Merit Insurance, we help make sure your insurance isn’t the piece that gets left until the last minute. Whether it’s your first house or your next one, here’s a practical checklist to keep you on track this spring.

1. Arrange Home Insurance Before You Close
Your lender will likely ask for proof of insurance before the deal is finalized. Don’t wait until the week of your move to contact your broker; connect early to ensure everything is in place well before you receive the keys.

2. Understand What’s Covered and What Isn’t
A standard policy covers fire, theft, and personal liability, but not all policies are the same. Depending on your home’s features and location, ask about exclusions and optional coverage, such as overland water or sewer backup.

3. Check Your Content Limit
A new home often means new purchases. Ensure your personal property limit accurately reflects the value of what you’re moving. Items like jewelry or collectibles may need to be listed separately.

4. Bundle When It Makes Sense
If you already have auto insurance with us, bundling home and auto coverage can help lower your costs and simplify your renewals—all with one broker and one point of contact.

5. Connect With a Broker Who Knows Your Name
We don’t just file policies, we build relationships. You can expect straightforward advice, honest conversations, and coverage that fits your needs.

For over 40 years, Merit Insurance has been helping individuals and families across Ontario protect what matters most to them. We treat our clients like people, not policy numbers. When you work with us, you’ll always speak with someone who listens, knows the right questions to ask, and takes the time to get it right. Buying this spring? We’ll help you check insurance off your list before the boxes are packed. Get in touch to start the conversation.