Products
Residential
Homeowner
Unfortunately, we can never be certain our homes are protected from events that could cause a loss, however purchasing homeowners' insurance is a great way to protect your assets and provide you with peace of mind. Optimum has affordable home policies offering three different levels of protection that are suited to your needs.
Ask your broker about Optimum's homeowner insurance.
The Optimum advantage
Nobody likes unpleasant surprises
With Optimum, you have the possibility to choose all risk protection on your home and its contents. "All Risks" coverage is our most comprehensive level of coverage and is designed to protect your property from the broadest range of perils.
Note: "All risks" coverage provided by Optimum and the insurance industry is still subject to certain exclusions. Please speak to your insurance broker for more details.
Available levels of protection:
Platinum
This comprehensive protection provides all risk coverage on the dwelling building as well as on personal property.
Gold
This broad protection provides all risk coverage on the dwelling building and named perils coverage on personal property.
Silver
This standard protection provides named perils coverage on the dwelling building and named perils coverage on personal property.
Key discounts available for this product
- Mortgage-free
- Multi-location
- Alarm system
- Age of Building
- Multi-product
- Age of insured
- Claims free discount
*For more information about our available discounts, please contact your broker.
Find a broker to obtain a quote.
