At Northbridge Insurance^TM we are committed to providing Canadians with quality insurance solutions that meet their individual needs. Whether it is for your home, cottage or automobiles, we have what you need to ensure peace of mind and security.  Your insurance broker will work with you to determine the level of coverage you need to ensure you are protected.

Northbridge Insurance^* Personal Insurance Solutions: Your Personal Choice^®

By combining your home and auto insurance into one convenient Personal Choice package, you can enjoy extra savings on each policy in addition to other discounts such as age, multi-vehicle, claims free, home alarm and more.

Start saving right away with Personal Choice!

• If you currently have separate home and auto policies, they likely have different renewal dates. Enjoy immediate savings on the current policy, and once the other policy expires it will automatically attach to complete your package. There's no need to cancel existing policies mid‑term (which might result in cancellation fees) or wait for both to expire to start saving.
  
• With one billing statement, flexible payment options, one renewal date and one easy to follow package, save the time and hassle of dealing with several separate policies.
  
• Pay only one deductible when a loss impacts both policies. For example, if you have a car accident and your golf clubs, which are covered under your home policy, get damaged along with your vehicle, you pay one deductible.

Along with our regular coverage, Personal Choice customers can take advantage of our Lifestyle Coverage:

Lifestyle Coverage: this unique coverage gives you additional peace of mind for family members' contents in a healthcare facility; liability associated with volunteer work, and cash robbery within 24 hours of withdrawal from a bank, including an ATM. This coverage is included free of charge for Personal Choice customers.

Home Insurance

Whether you own a home or condo or rent, we offer a range of  insurance that allows you to choose the level of coverage that is right for you. The most popular is our Comprehensive Form which offers extensive coverage and includes most risks to your home and contents.

With our home insurance, you'll benefit in a number of ways:

• Guaranteed Replacement Cost: if your home is destroyed, we will cover costs to rebuild it with materials of similar kind and quality, even if your policy coverage is less.
• Student Away: if you have a student in the family away at school, your insurance extends to them and their belongings while away at school.
• Special Limits: Northbridge Insurance offers some of the highest "special limits" insurance on items such as jewellery, collectibles or bicycles
• Jewellery Coverage: For an additional cost, you can choose to cover your individual jewellery items based on appraised value, not just replacement value.

* Subject to the limits, exclusions & conditions in the policy

You can save on your home insurance by taking full advantage of the following discounts:

• Personal Choice: combine your home and auto insurance
• Age of Home Discount: varies by the age of your home
• Claim-Free Discount: if you have not had any claims in the past three years
• Alarm System: if you have a centrally monitored fire or burglar alarm system installed
• Age Discount: be rewarded for your years of responsible living
• Mortgage-Free Discount: if you are  mortgage free

Auto

At Northbridge Insurance, we can meet all of your personal automobile insurance needs.  Our unique rating structure combines your years licensed with the number of years you've been accident free - giving you the most equitable price. In addition, you'll also benefit from:

• Personal Choice: combine your home and auto insurance for savings
• Multi-Vehicle Discount: save a minimum of 10%* for every qualified vehicle you include on your policy
• Driving Record Protection**: for a nominal fee, you can add Driving Record Protection to your auto policy, which guarantees that your driving record will not change in the event of your first at-fault accident (available for qualifying customers; accidents resulting in a conviction classified as major or criminal code do not qualify)

* may vary by province
** not available in all provinces

Seasonal Residences

Cottages/Ski Chalets/Seasonal Dwellings: Your home away from home. If you have a seasonal dwelling that you and your family enjoy, you should protect it as you would your primary home, with seasonal property coverage. We have coverage options to meet your individual needs.

Homework^® Insurance

Coverage specially designed to protect the many Canadians who operate a home based business. Homework is an option that you add to your home insurance so that you don’t have to purchase a separate business policy. This policy protects you for losses to business property, computers, as well as business interruption and liability.

Insurance for your Toys

Watercraft: adding coverage for your watercraft is easy. Simply add it to your existing home policy (homeowner, condominium, tenant or seasonal homeowner policy) and you're covered for damage due to accidents, storms, theft or vandalism.

Vacation Trailers: to protect your vacation trailer when it's detached from your vehicle you can add coverage to your home policy to cover all risks to your trailer and its contents.

All Terrain Vehicles/Snowmobiles/Motorhomes/Motorcycles: by adding coverage for your recreational vehicle(s) to your existing auto policy, you're eligible for a discount. And if you have our Personal Choice^® package (home/auto insurance combined) you can save even more.  

Umbrella Liability

Life is unpredictable, and unexpected things can happen anywhere at any time. With Personal Umbrella Liability, you and your family are covered for injury to others and damage to their property arising out of an unexpected occurrence worldwide (in excess of the legal liability limits of your home and auto policies). For a few extra dollars a month, you can add extra liability coverage to make sure you're covered for the unexpected.

The more things you own – home, cottage, pool, cars, boats, etc. – the more exposure you have for claims against you for injury to others and damage to their property. Personal Umbrella Liability provides added liability coverage above the limits of your homeowner's and auto policies, to protect your assets from potentially high court awards. And, if you travel out of the country, Personal Umbrella Liability provides you with worldwide protection.

For more information please contact us at info@nbfc.com

*Policies underwritten by Northbridge Personal Insurance Corporation.